Časté dotazy
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Časté dotazy
ŽÁDOST O ODDLUŽENÍ
Žádost o oddlužení (vyhlášení osobního bankrotu) se podává u insolvenčního soudu na předepsaném formuláři. Pro účely podání žádosti musí být dlužník povinně zastoupen advokátem. Žádost musí být doložena předepsanými přílohami, které osvědčují zejména minulé a budoucí příjmy a další skutečnosti rozhodné pro povolení oddlužení.
Kompletní zpracování žádosti o oddlužení včetně právního zastoupení pro vás zajistíme online prostřednictvím našeho portálu.
To enter and process a request for debt relief, you must first register as a portal user by clicking on the New user link at the top right and filling in the applicant’s data. Subsequently, it is necessary to create a request for debt relief by clicking on the Submit a request tab and filling in the required data in the online registration form. After completing the form, the system will automatically generate all the documentation necessary for further debt relief processing, which will be immediately available directly on the portal along with instructions for completing it. Complete these documents according to the REGISTRATION INSTRUCTIONS included in the documentation. Deliver the signed documents together with the other documents (if you have not already uploaded them directly to the system) to the address of our office BankrotOnline.cz, Železná 255/24, 460 01 Liberec. After receiving the completed documentation, we will then process and submit the relevant request for debt relief to the insolvency court. We will inform you immediately about the further progress of debt relief processing.
No, direct submission by the borrower is not possible. According to the current legislation, the debtor can submit a request for debt relief only through a lawyer or other statutory professional. When submitting an online application through BankrotOnline.cz, you will be represented by a law firm.
The processing and submission of the application usually takes up to 3 working days after the applicant has received the necessary documents.
Complete the generated documents according to the INSTRUCTIONS FOR REGISTRATION, which are part of the documentation. Deliver the signed documents together with the other documents (if you have not already uploaded them directly to the system) to the address of our office BankrotOnline.cz, Železná 255/24, 460 01 Liberec. We will inform you immediately about the further progress of debt relief processing.
Send the signed documents together with the other required documentation (if you have not already uploaded it directly to the system) to the address of our office BankrotOnline.cz, Železná 255/24, 460 01 Liberec. We will inform you immediately about the further progress of debt relief processing.
You can upload the documents for applying for debt relief directly to the system as part of step 9 of the registration form or you can send them by post to the address of our office BankrotOnline.cz, Železná 255/24, 460 01 Liberec.
Yes, visit us at any of our branches, contact details can be found here .
We will inform you immediately by e-mail about the approval of debt relief. The decision on debt relief approval will also be available directly on the portal in the Documentation folder . You can also follow the status of the insolvency court’s decisions on the website of the insolvency register available at https://isir.justice.cz/isir/common/index.do .
The insolvency administrator is selected by the insolvency court from the list of insolvency administrators according to the prescribed order, so it is not possible to choose a specific insolvency administrator for your own debt relief.
After submitting an application for debt relief, the insolvency court will usually issue a decision within 15 days.
Yes, but we do not recommend this option. In the event that the discharge is carried out only in relation to one of the spouses, this does not prevent creditors from collecting the remaining part of the debts against the other spouse. It is therefore recommended that both spouses submit a joint proposal for debt relief. The request for joint debt relief for spouses can be entered directly in step 2 of the online debt relief application.
The moment the request for debt relief is submitted, so-called insolvency proceedings are initiated, within which only debts prescribed by law (e.g. child support) can be repaid. Do not pay the repayments of current debts, including loans and credits, even if the creditors of these debts continue to remind you, such debts are settled only in the further course of the insolvency proceedings.
Creating a request for debt relief on our portal is non-binding. The application becomes binding only when the completed documents are delivered. If you do not want to continue the debt relief process, do not sign the generated documentation and do not send it to us. The registration is hereby automatically cancelled.
PODMÍNKY ODDLUŽENÍ
Yes, it is even highly desirable that the applicant does not prolong the repayment of his debts through foreclosures, within which he pays penalty interest, costs of managing foreclosures, etc. By granting debt relief, all foreclosures will be suspended by law and the debts will be settled as part of the debt relief.
Yes, you can submit a request for debt relief even if the insolvency court has already rejected such a request in the past.
Even if the applicant does not have adequate income, his debt can be relieved, e.g. by paying off the prescribed part of the debts from the contribution of a third party (e.g. a relative). This third party can provide a debt settlement contribution in the form of a one-time donation or regular monthly contributions. To document such income, it is necessary to draw up a gift contract or a pension contract, samples of which can be found here .
Yes, these benefits are included in the applicant’s income, from which the amount of installments for debt repayment is calculated. In the event that he is unable to repay the prescribed amount from these benefits, it is possible to pay the missing part, for example, by selling property (if the applicant owns any) or by a contribution from third parties (e.g. relatives) in the form of a one-off donation or regular monthly amounts that will be used for repayment of the applicant’s debt.
Yes, pension benefits are included in the applicant’s income, from which the amount of installments for debt repayment is calculated. In the event that he is unable to repay such an amount from his pension, it is possible to make up the missing part, e.g. by selling property (if the applicant owns any) or by a contribution from third parties (e.g. relatives) in the form of a one-off donation or regular monthly amounts that will be used for repayment applicant’s debt.
Yes, benefits from the Labor Office are included in the applicant’s income, from which the amount of installments for debt repayment is calculated. In the event that he is unable to repay the prescribed amount from these benefits, it is possible to pay the missing part, for example, by selling property (if the applicant owns any) or by a contribution from third parties (e.g. relatives) in the form of a one-off donation or regular monthly amounts that will be used for repayment of the applicant’s debt.
In the event that the applicant is not able to ensure repayment of at least the minimum set repayment of debts from his own funds, the missing amount can be made up, for example, through a contribution from another person. Such a person can provide either a one-time donation or regular monthly contributions (so-called contractual pension), which will be used to pay off the applicant’s debts. To provide these contributions, it is necessary to conclude a donation contract or a pension contract, samples of which can be found here .
Yes, a record in the criminal record does not prevent the possibility of submitting a request for debt relief, regardless of the criminal offense for which the applicant was convicted.
The amount set by law, which is necessary to secure the applicant’s minimum living needs and manage his household, will not be used to repay debts. Use our insolvency calculator to calculate the amount that will remain available to you .
All income beyond the minimum non-seizable amount intended for the applicant’s personal consumption and household management will be used to repay the debts. For the specific amount of deduction from the salary, use our insolvency calculator .
Yes, self-employed individuals can also declare personal bankruptcy and discharge their debts.
The loss of income that was documented for the application for debt relief does not automatically mean the end of debt relief. Such a change must be reported to the insolvency administrator immediately. The loss of income can also be replaced by extraordinary income, e.g. provided by third parties in the form of a one-off donation or regular monthly installments, or request a change in the repayment schedule.
DOLOŽENÍ PŘÍJMŮ
For applications for debt relief submitted after June 1, 2019, the applicant must prove that he will be able to pay at least CZK 1,989 per month, or at least CZK 2,984 per month in joint debt relief for spouses.
Repayment of debts can be made both by deductions from wages and other future income, including the possible sale of the applicant’s property, donations from third parties, income from statutory or contractual pension and others. To verify whether your income will be sufficient to allow debt relief, try our insolvency calculator .
The past income of the applicant for debt relief is stated for the previous 12 months before submitting the application for debt relief and can be supported by one of the following documents:
1) Income from employment
- pay stubs for the entire specified period
- employer’s confirmation of paid income (the employer’s own form can be used or our form can be downloaded here )
- pension insurance record sheet for the specified period
- statements from the bank account on the received salary payments (the documents must show who paid the amounts and what their amount was, the total amount for the entire period is then entered in the request for debt relief)
2) Retirement or other pension
- an overview of the pension paid for the entire specified period (issued on request at any branch of the social security administration)
- a copy of the receipts about the paid pension
- statements from the bank account about the pension amounts received (the documents must show who was the payer of the amounts and what their amount was, the total amount for the entire period must then be entered in the request for debt relief)
3) Unemployment support
- confirmation of drawn unemployment benefits (issued on request at any branch of the employment office)
- a copy of receipts for paid unemployment benefits
- statements from the bank account about the amounts of unemployment benefits received
(the documents must show who paid the amounts and what their amount was, the total amount for the entire period must then be entered in the request for debt relief)
4) Parental or maternal
- confirmation of paid parental benefits (issued on request at any branch of the labor office)
- confirmation of paid maternity benefits (issued on request at any branch of the social security administration)
- copies of receipts for paid support benefits
- statements from the bank account about the support payments received (the documents must show who was the payer of the amounts and what their amount was, the total amount for the entire period must then be entered in the request for debt relief)
5) Income from business
- copies of tax returns for the specified period (can be obtained on request from the relevant tax office)
- an overview of income and expenses in the year of submission of the application for debt relief, if it has not yet been concluded with the financial statements
- an overview of the actual expenses in the business, if the expenses are applied as a flat rate in the tax return
6) Other income
- payer’s confirmation of payment of other income (any payer’s document or our downloadable form can be used here )
- any other document showing the amount received and the identification of the payer who paid it
The future income of the applicant for debt relief can be proven by any of the following documents:
1) Income from employment
- Employment contract
- Salary (if the salary is not specified in the employment contract)
- Confirmation from the employer about the duration of the employment relationship and the amount of income (you can also use our downloadable form here )
2) Retirement or other pension
- Pension assessment notice for the current calendar year (a copy can be obtained from any branch of the Social Security Administration)
3) Unemployment support
- Decision on granting unemployment benefits (a copy can be obtained at any branch of the employment office)
4) Maternity
- Decision on granting cash support in maternity (a copy can be obtained at any branch of the Social Security Administration)
5) Parental allowance
- Decision on granting parental allowance (a copy can be obtained at any branch of the labor office)
6) Income from business
- Orders or contracts with customers for the following period
- Business plan
- Affidavit of future business income along with evidence of past business income
Income from employment can be substantiated by the employer’s confirmation of the amount of income (the form can be found here or the employer’s own form can be used), pay slips or a bank account statement of received wage payments. It must be clear from the documents in which period the income was earned, who was the payer and what was the net amount of the income earned.
Income from business can be substantiated by copies of tax returns or confirmation from the tax office about the income achieved for the relevant period.
Yes, the future income of the applicant is particularly decisive for the authorization of debt relief. The lack of past income does not prevent the possibility of declaring personal bankruptcy.
Yes, any income from employment, including income from work performance agreements or activity performance agreements, can be documented for debt relief.
Income from the employment office can be documented by a certificate from the office on the benefits paid, which the office will issue to you upon request. You can find the list of employment offices here .
In such a case, the contribution to repay the debt from a third party can be provided either as a one-off donation or in the form of regular monthly (pension) installments. To document this income, it is necessary to conclude a gift contract or a pension contract, samples of which can be found here .
DOLOŽENÍ DLUHŮ
The existence of the debt can be proven by any of the following documents:
1) if the debt IS already in execution
- execution order of the executor ordering or executing execution
- executor’s call to voluntarily fulfill the debt
- confirmation from the executor of the current amount of the owed amount (the document must show who the creditor is, the amount of the owed amount and the number of the enforcement procedure)
2) if the debt is NOT yet in execution
- the agreement on the basis of which the debt arose (e.g. loan agreement, credit agreement, payment estimate, etc.)
- debt payment reminder
- debt account statement
- another similar document, which shows your obligation to the creditor to pay the debt (the document must show who the creditor is, the amount owed and its maturity date)
The debt can be substantiated by a current statement from the credit account, a confirmation issued by the credit provider, the last payment reminder, if the total amount of the debt is indicated here, or another similar document that shows the current amount of the debt.
The debt can be substantiated by a current statement from the card account, the last payment reminder, if it shows the current amount of the debt, or another similar document, if it shows the current amount of the debt on the card.
Enter child support in step 2 of the registration form. Enter the monthly amount of alimony and the number of the judgment by which this alimony was determined.
Yes, it is necessary to list all your debts, including those that are not yet due. You mark such a debt as non-payable in the registration form.
POPLATKY
The amount of the fee for processing an application for debt relief is set by law and amounts to CZK 4,000 + VAT for debt relief for an individual applicant and CZK 6,000 + VAT for joint debt relief for spouses. The reward is due only if the debt relief is approved by the relevant insolvency court. If the application is rejected by the court, no application processing fee is paid.
We do not charge, the preliminary consultation associated with the processing of the request for debt relief is free of charge.
No, there is no court fee to apply for debt relief.
UŽIVATELSKÝ ÚČET
On the main page of the portal, click on the New user link at the top right, fill in the information about the new user and confirm with the ‘Register’ button.
The reason may be that you have already set up a user profile in the past on one of our other portals, e.g. www.ZalozFirmu.cz or www.PravnikOnline.cz . To get the password for such an account, click on the login link at the top right of the home page, click on “Forgot password” and enter your email. A password reset link will be delivered to your email inbox. After it has been restored, click the Login link again and enter your restored credentials.
If you know your password and need to change it, log in with your existing credentials, click on the Change password tab and enter a new password.
If you do not know the password for your user account, click on the Login link at the top right, select ‘Forgot password’, enter your current email and confirm Send. You will receive a link to reset your password and set a new one in your e-mail.
Yes, send us a written request to info@bankrotonline.cz .
Yes, after logging in the user, click the Settings link , edit the relevant items, and then click ʹSaveʹ.
OBECNÉ DOTAZY
Debt relief is a debt settlement method that a debtor can use if they have multiple creditors and are unable to repay their debts. The essence of debt relief is that the borrower must pay at least CZK 1,989 per month from his income over the next 5 years, or at least CZK 2,984 per month in joint debt relief for spouses. Provided that this part is repaid, he is then forgiven the payment of the remaining debt.
Debt discharge is permitted by the insolvency court at the request of the debtor represented by a lawyer.
Informally, debt relief is also referred to as declaring personal bankruptcy.
Personal bankruptcy is an informal term for debt relief, which refers to a way of dealing with the debts of a debtor who has multiple creditors and is unable to repay his debts. The essence of personal bankruptcy is that the debtor must pay at least CZK 1,989 per month from his income in the following 5 years, or at least CZK 2,984 per month in the case of joint debt relief for spouses. Provided that the prescribed portion is properly repaid, he is then forgiven the payment of the remaining debt.
The declaration of personal bankruptcy is permitted by the insolvency court at the request of the debtor represented by a lawyer.
BankrotOnline.cz is an online system that makes it possible to go through the entire process of applying for debt relief simply via the Internet without the need for personal meetings or visiting the authorities.
To carry out debt relief, the applicant enters the data necessary for debt relief via the online registration form available directly at www.BankrotOnline.cz . After completing the registration form, the system will automatically generate all the documentation necessary to process the debt relief, which is available for immediate download directly on the portal, along with instructions on how to proceed. After receiving the completed documentation from the applicant, we will then carry out all the remaining steps associated with submitting an application for debt relief to the relevant insolvency court. The applicant is informed about the progress of the processing through automatic e-mail updates.
The processing of the request for debt relief can also be consulted in person or by phone on our usual contact lines . Before the personal consultation, we recommend that you enter non-binding information about debt relief into our online registration form so that the processing of the application can be based on the specific documents that have already been entered. We also recommend that you familiarize yourself with the information available on the tabs How it works , Before you start, and Frequently asked questions .