{"id":209,"date":"2022-04-01T15:53:44","date_gmt":"2022-04-01T13:53:44","guid":{"rendered":"https:\/\/ibservice.co.uk\/?page_id=209"},"modified":"2023-03-27T09:01:04","modified_gmt":"2023-03-27T07:01:04","slug":"bankrotas","status":"publish","type":"page","link":"https:\/\/ibservice.co.uk\/lt\/teisines-paslaugos\/bankrotas\/","title":{"rendered":"Bankrotas"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Jei turite problem\u0173 d\u0117l skol\u0173, bankrotas gali b\u016bti vienas i\u0161 \u0161i\u0173 problem\u0173 sprendimo b\u016bd\u0173. Jei negalite gr\u0105\u017einti skol\u0173, galite kreiptis d\u0117l bankroto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Be to, asmuo, kuriam esate skolingi (kreditorius), turi teis\u0119 kreiptis d\u0117l bankroto, gali papra\u0161yti teismo jums inicijuoti bankrot\u0105, net jei to nenorite. Jie tai gali padaryti tik tuo atveju, jei esate skolingi ne ma\u017eiau kaip 5000 svar\u0173 sterling\u0173. J\u016bs galite su\u017einoti daugiau apie kreditorius, d\u0117l kuri\u0173 j\u016bs bankrutuojate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankrotas gali sukelti rimt\u0173 pasekmi\u0173 \u2013 tai gali b\u016bti ne vienintelis j\u016bs\u0173 pasirinkimas ir ne pats geriausias jums. Mes galime suteikti daugiau informacijos, kaip i\u0161spr\u0119sti problemas d\u0117l skol\u0173. Sprendimas yra ne vienas, pvz., skol\u0173 perk\u0117limo \u012fsakymas (DRO) arba individualus savanori\u0161kas susitarimas (IVA).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankroto prana\u0161umai<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kai bankroto orderis bus \u012fvykdytas, galite prad\u0117ti visk\u0105 i\u0161 naujo \u2013 tai gali \u012fvykti jau po met\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kiti bankroto prana\u0161umai:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>suma\u017e\u0117ja stresas, nes jums nereikia bendrauti su savo kreditoriais;<\/li><li>jums leid\u017eiama disponuoti tam tikrais daiktais, vadinamosiomis neapmokestinamosiomis prek\u0117mis, pavyzd\u017eiui, kasdieniais nam\u0173 apyvokos daiktais, \u012frankiais, kuri\u0173 reikia j\u016bs\u0173 darbui atlikti, automobiliu, jei jums jo reikia norint patekti \u012f darb\u0105 ar esate glob\u0117jas, jei vert\u0117 ne daugiau nei 2000 svar\u0173 sterling\u0173;<\/li><li>jums leid\u017eiama naudotis pagr\u012fsta savo pajam\u0173 suma pragyvenimui;<\/li><li>jei turite mok\u0117ti skolas i\u0161 gaunam\u0173 pajam\u0173, tai truks tik 3 metus \u2013 jums nereik\u0117s mok\u0117ti, jei j\u016bs\u0173 vienintel\u0117s pajamos yra socialin\u0117s pa\u0161alpos;<\/li><li>kreditoriai turi sustabdyti daugum\u0105 teisini\u0173 veiksm\u0173 prie\u0161 jus, kad gal\u0117t\u0173 susigr\u0105\u017einti pinigus pagal nutart\u012f d\u0117l bankroto;<\/li><li>jums nereik\u0117s gr\u0105\u017einti skol\u0173, kurias padengia bankrotas.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankroto tr\u016bkumai<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nor\u0117dami kreiptis d\u0117l bankroto, tur\u0117site sumok\u0117ti 680 svar\u0173 sterling\u0173 mokest\u012f. Kiti bankroto tr\u016bkumai yra \u0161ie:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>jei j\u016bs\u0173 pajamos yra santykinai didel\u0117s, b\u016bsite \u012fpareigoti mok\u0117ti skolas trejus metus;<\/li><li>bus sunkiau pasiimti kredit\u0105, o j\u016bs\u0173 kredito reitingas nukris 6 metams;<\/li><li>jei jums priklauso namas, j\u012f gali tekti parduoti \u2013 tai priklauso nuo to, kiek jis vertas gr\u0105\u017einus visas b\u016bsto paskol\u0173 sumas;<\/li><li>jei i\u0161sinuomosite savo b\u016bst\u0105, nuomotojas gali nutraukti nuom\u0105;<\/li><li>kai kuriuos j\u016bs\u0173 daiktus gali tekti parduoti, jei jie n\u0117ra \u201eneapmokestinamosios prek\u0117s\u201c;<\/li><li>kai kurios darboviet\u0117s neleid\u017eia bankrutuojantiems \u017emon\u0117ms dirbti toliau;<\/li><li>jei turite savo versl\u0105, jis gali b\u016bti u\u017edarytas ir turtas parduotas;<\/li><li>bankrotas gali tur\u0117ti \u012ftakos j\u016bs\u0173 imigracijos statusui;<\/li><li>j\u016bs\u0173 bankrotas bus paskelbtas vie\u0161ai (nors jei nerimaujate d\u0117l sav\u0119s ar savo \u0161eimos nari\u0173 saugumo, galite kreiptis \u012f teism\u0105 ir gauti nutart\u012f, kad j\u016bs\u0173 adresas neb\u016bt\u0173 nurodomas);<\/li><li>jums gali b\u016bti i\u0161duotas bankroto apribojimo \u012fsakymas, galiojantis iki 15 met\u0173, kuris apribos j\u016bs\u0173 finansines veiklas.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kas nutiks bankroto pabaigoje?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankroto procesas paprastai b\u016bna baigtas po met\u0173 \u2013 tai vadinama \u201e\u012fvykdymu\u201c. Po bankroto jums nereik\u0117s gr\u0105\u017einti bankroto padengt\u0173 skol\u0173. Ta\u010diau vis tiek tur\u0117site sumok\u0117ti skolas, pvz., teismo baudas ir student\u0173 paskol\u0173 bendrov\u0117s paskolas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suteikiame pagalb\u0105 inicijuojant bankrot\u0105.<\/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>Jei turite problem\u0173 d\u0117l skol\u0173, bankrotas gali b\u016bti vienas i\u0161 \u0161i\u0173 problem\u0173 sprendimo b\u016bd\u0173. Jei negalite gr\u0105\u017einti skol\u0173, galite kreiptis d\u0117l bankroto. Be to, asmuo, kuriam esate skolingi (kreditorius), turi teis\u0119 kreiptis d\u0117l bankroto, gali papra\u0161yti teismo jums inicijuoti bankrot\u0105,&#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-209","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/209","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=209"}],"version-history":[{"count":5,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/209\/revisions"}],"predecessor-version":[{"id":2419,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/pages\/209\/revisions\/2419"}],"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=209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}