{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/sv\/personlig-bank-som-en-vag-ut-ur-skulden\/","title":{"rendered":"Personlig konkurs som en v\u00e4g ut ur skulds\u00e4ttning"},"content":{"rendered":"<p>Personlig konkurs \u00e4r ett av de lagliga s\u00e4tten att bli skuldfri. Om du \u00f6verdriver med n\u00e5gra av de <strong><a href=\"https:\/\/regbu.com\/sv\/typer-av-lan-lara-om-dem\/\">typer av l\u00e5n<\/a><\/strong> och du f\u00e5r mer skulder \u00e4n du kan betala tillbaka, det \u00e4r d\u00e4r skuldsanering kommer in i bilden. Ibland kan du ocks\u00e5 se termen personlig konkurs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insolvensf\u00f6rfaranden<\/li>\n\n\n\n<li>\u00c5terbetalning av del av skulder<\/li>\n\n\n\n<li>Stoppa ytterligare skulds\u00e4ttning<\/li>\n<\/ul>\n\n\n\n<p>Denna typ av konkurs kan endast beg\u00e4ras av en g\u00e4lden\u00e4r som <em>inte kan betala sina skulder till fordrings\u00e4garna<\/em>. Om du vill utnyttja detta alternativ f\u00e5r du naturligtvis inte ha n\u00e5gra betydande tillg\u00e5ngar. Detta beror p\u00e5 att de kan s\u00e4ljas f\u00f6r att betala skulder. Personlig konkurs kan d\u00e4rf\u00f6r inte anv\u00e4ndas till n\u00e5gon f\u00f6rdel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Personlig konkurs och dess villkor<\/h2>\n\n\n\n<p>Grunden f\u00f6r allt \u00e4r d\u00e4rf\u00f6r g\u00e4lden\u00e4rens ekonomiska insolvens. Dessutom finns det ett antal andra villkor. Dessa m\u00e5ste vara uppfyllda, annars kan <strong>ans\u00f6kan om skuldsanering<\/strong> ...kommer han att f\u00f6rneka det. Om du vill veta vilka kraven \u00e4r, l\u00e4s tabellen nedan.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c4mne<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td>Antal fordrings\u00e4gare<\/td><td>St\u00f6rre kvantitet<\/td><\/tr><tr><td>Skulder<\/td><td>Minst 30 dagar efter f\u00f6rfallodagen<\/td><\/tr><tr><td>Skuldl\u00e4ttnad<\/td><td>Betalning av 30 %-skulder p\u00e5 5 \u00e5r<\/td><\/tr><tr><td>Alternativ till skuldsanering<\/td><td>\u00c5terbetalning av 60 % inom 3 \u00e5r<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Grundl\u00e4ggande information om personlig konkurs.<\/figcaption><\/figure>\n\n\n\n<p>Eftersom lagstadgade skyldigheter \u00e4ndras fr\u00e5n tid till annan kan dessa siffror variera i viss utstr\u00e4ckning. Klart \u00e4r dock att du med hj\u00e4lp av personlig konkurs kan g\u00f6ra rent hus genom att bara betala en del av dina skulder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ytterligare kompletterande information<\/h3>\n\n\n\n<p>Det b\u00f6r noteras att denna typ av skuldreglering fr\u00e4mst \u00e4r avsedd f\u00f6r fysiska personer, oavsett om de \u00e4r vanliga personer, konsumenter eller f\u00f6retagare. Det finns inget undantag <strong>skuldsanering f\u00f6r makar<\/strong>som vanligtvis utf\u00f6rs. F\u00f6r att f\u00f6rs\u00e4tta n\u00e5gon i konkurs m\u00e5ste allt f\u00f6reg\u00e5s av att en ans\u00f6kan om konkursbeslut l\u00e4mnas in. Den anf\u00f6rtros de personer som ansvarar f\u00f6r dess behandling, eftersom den m\u00e5ste inneh\u00e5lla l\u00e4mpliga delar.<\/p>\n\n\n\n<p>Personlig konkurs kan naturligtvis avskrivas. Detta under f\u00f6ruts\u00e4ttning att alla r\u00e4ttsliga villkor inte \u00e4r uppfyllda. Eller o\u00e4rligt upps\u00e5t bevisas. Vid personlig konkurs f\u00f6rbereder sig g\u00e4lden\u00e4ren f\u00f6r att endast beh\u00e5lla existensminimum och resten g\u00e5r till att \u00e5terbetala skulder. En del av skulderna kommer ocks\u00e5 att regleras genom f\u00f6rs\u00e4ljning av tillg\u00e5ngar.<\/p>","protected":false},"excerpt":{"rendered":"<p>Personlig konkurs \u00e4r ett av de lagliga s\u00e4tten att bli skuldfri. Om du \u00f6veranstr\u00e4nger dig med vissa typer av l\u00e5n och hamnar i mer skuld \u00e4n du kan betala tillbaka, kommer skuldsanering in i bilden. Ibland kan du ocks\u00e5 se termen personlig konkurs. Denna typ av konkurs kan endast beg\u00e4ras av en g\u00e4lden\u00e4r som inte kan betala sina fordrings\u00e4gare. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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