{"id":207,"date":"2022-04-01T15:53:23","date_gmt":"2022-04-01T13:53:23","guid":{"rendered":"https:\/\/ibservice.co.uk\/?page_id=207"},"modified":"2023-03-27T09:01:05","modified_gmt":"2023-03-27T07:01:05","slug":"skolu-nurasymas-iva","status":"publish","type":"page","link":"https:\/\/ibservice.co.uk\/lt\/teisines-paslaugos\/skolu-nurasymas-iva\/","title":{"rendered":"Skol\u0173 nura\u0161ymas (IVA)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Individualus savanori\u0161kas susitarimas (angl. IVA) kaip alternatyva bankrotui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teikiame tarpininkavimo paslaug\u0105 su jums priskirta agent\u016bra d\u0117l skol\u0173 nura\u0161ymo. \u0160io proceso metu paruo\u0161iamas pra\u0161ymas nura\u0161yti skolas, \u012fskaitant pajam\u0173 mokes\u010dius. Tai atlikus, kreipiamasi \u012f kreditorius. \u012emanoma legaliai nura\u0161yti net iki 90 proc. skol\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(IVA) yra oficialus, teisi\u0161kai \u012fpareigojantis susitarimas tarp j\u016bs\u0173 ir j\u016bs\u0173 kreditori\u0173. Visk\u0105 turi patvirtinti teismas, o j\u016bs\u0173 kreditoriai privalo j\u0173 laikytis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Palyginus bankrot\u0105 ir IVA, ir vienas, ir kitas turi sav\u0173 prana\u0161um\u0173 bei tr\u016bkum\u0173. Prie\u0161 pasirinkdami geriausi\u0105 sprendim\u0105, tur\u0117tum\u0117te daugiau su\u017einoti apie kiekvien\u0105 i\u0161 j\u0173. \u0160iame puslapyje pateikiama ap\u017evalga, kada galb\u016bt vert\u0117t\u0173 pasirinkti IVA, o ne bankrot\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Patvirtinus IVA, \u012fra\u0161as j\u016bs\u0173 kredito istorijoje apie tai i\u0161liks 6 metus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>IVA gali b\u016bti geriau nei bankrotas, jei:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>turite nekilnojamojo ar kito turto, kurio nenorite prarasti;<\/li><li>turite nuosav\u0105 versl\u0105;<\/li><li>galite prarasti darb\u0105, jei bankrutuojate, pavyzd\u017eiui, jei esate policijos pareig\u016bnas ar dirbate ginkluotosiose paj\u0117gose;<\/li><li>turite arba ketinate kreiptis d\u0117l \u012fgaliojimo ka\u017ekieno vardu;<\/li><li>norite kiekvien\u0105 m\u0117nes\u012f tur\u0117ti \u0161iek tiek laisv\u0173 pajam\u0173 arba mok\u0117ti vienkartin\u0119 pinig\u0173 sum\u0105, gr\u0105\u017einam\u0105 kreditoriams;<\/li><li>norite i\u0161vengti neigiamo socialinio poveikio;<\/li><li>lankstumas.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lankstumas<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IVA yra lankstesnis nei bankrotas ir gali b\u016bti nustatytas atsi\u017evelgiant \u012f j\u016bs\u0173 asmenines aplinkybes. Jei turite turto, pavyzd\u017eiui, automobil\u012f ar kit\u0105 asmenin\u012f turt\u0105, gali b\u016bti \u012fmanoma j\u012f i\u0161laikyti, u\u017euot juos panaudojus atsiskaityti su kreditoriais. J\u016bs\u0173 nemokumo specialistas pad\u0117s der\u0117tis su kreditoriais, kad \u0161ie likt\u0173 ne IVA. M\u016bs\u0173 pareiga \u2013 paruo\u0161ti tinkamai tarpininkauti su jais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Banko s\u0105skaitos<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Galite toliau naudoti savo banko s\u0105skait\u0105, jei turite IVA. Jums nereikia prane\u0161ti savo bankui apie IVA. Jei bankrutuojate, tik\u0117tina, kad j\u016bs\u0173 banko s\u0105skaita bus u\u017edaryta, ir jums gali b\u016bti sunku atidaryti kit\u0105 banko s\u0105skait\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kreditorius bando jums inicijuoti bankrot\u0105<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jei kreditorius grasina jums bankrotu arba jau yra prad\u0117j\u0119s bankroto bylas, galb\u016bt gal\u0117site gauti IVA, kad i\u0161vengtum\u0117te bankroto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>IVA rizika<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu \u017einoti rizik\u0105, susijusi\u0105 su IVA. Jei j\u016bs\u0173 aplinkyb\u0117s per trump\u0105 laik\u0105 pasikeis, \u0161is skol\u0173 nura\u0161ymo b\u016bdas gali b\u016bti netinkamas. Jei negalite atsiskaityti, tai gali nepavykti. Jei IVA nepavyks, j\u016bs\u0173 kreditoriai gal\u0117s imtis veiksm\u0173 prie\u0161 jus. Jie gali jums inicijuoti bankrot\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kvie\u010diame teirautis jau dabar, o mes mielai atsakysime \u012f klausimus, patarsime d\u0117l galimyb\u0117s suteikti pagalb\u0105 pateikiant parai\u0161k\u0105 IVA nemokumo specialistui inicijuoti.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\" id=\"enquiry-form-page\">\n<div class=\"wp-block-column enquiry-form is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading has-text-align-center mb-1\">Paslaugos u\u017esakymo forma<\/h5>\n\n\n\n<div class=\"wp-block-buttons mt-2 is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ibservice.deferospot.com\/login?lang=lt\" target=\"_blank\" rel=\"noreferrer noopener\">Teikti parai\u0161k\u0105<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Individualus savanori\u0161kas susitarimas (angl. IVA) kaip alternatyva bankrotui. Teikiame tarpininkavimo paslaug\u0105 su jums priskirta agent\u016bra d\u0117l skol\u0173 nura\u0161ymo. \u0160io proceso metu paruo\u0161iamas pra\u0161ymas nura\u0161yti skolas, \u012fskaitant pajam\u0173 mokes\u010dius. Tai atlikus, kreipiamasi \u012f kreditorius. \u012emanoma legaliai nura\u0161yti net iki 90 proc&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":75,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-207","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/comments?post=207"}],"version-history":[{"count":11,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/207\/revisions"}],"predecessor-version":[{"id":2422,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/207\/revisions\/2422"}],"up":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/75"}],"wp:attachment":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/media?parent=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}