{"id":485,"date":"2015-12-28T08:50:44","date_gmt":"2015-12-28T08:50:44","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=485"},"modified":"2015-12-28T08:50:44","modified_gmt":"2015-12-28T08:50:44","slug":"noslegts-maksatnespejas-process-sirdsmiers-pasam-un-laimiga-gimene","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=485","title":{"rendered":"Nosl\u0113gts maks\u0101tnesp\u0113jas process \u2013 sirdsmiers pa\u0161am un laim\u012bga \u0123imene"},"content":{"rendered":"<p><strong>Ivo Kront\u0101ls ir nosl\u0113dzis savu 5 gadu ilgo maks\u0101tnesp\u0113jas procesu un norakst\u012bjis par\u0101du, kura summa sast\u0101d\u012bja 220\u00a0000 latus (313 032.29 euro). Par to, k\u0101ds bija \u0161is process, ko tas pras\u012bja no Ivo un vi\u0146a \u0123imenes, lasiet zem\u0101k:<\/strong><\/p>\n<p><strong>K\u0101 tas viss s\u0101k\u0101s?<\/strong><\/p>\n<p>\u201e2006.gad\u0101 es pa\u0146\u0113mu kred\u012bt\u0101 tr\u012bs istabu dz\u012bvokli par 55\u00a0000 latiem, un p\u0113c laika, piesakoties otrajam b\u0113rni\u0146am, m\u0113s \u0123imen\u0113 apsv\u0113r\u0101m domu un pie\u0146\u0113m\u0101m l\u0113mumu mekl\u0113t v\u0113l liel\u0101ku \u012bpa\u0161umu. Mana mamma ieteic\u0101s, ka var\u0113tu n\u0101kt dz\u012bvot uz tr\u012bs istabu dz\u012bvokli un maks\u0101t eso\u0161o kred\u012btu. Savuk\u0101rt m\u0113s ar sievu un b\u0113rniem atrad\u0101m jaunb\u016bvi un pa\u0146\u0113m\u0101m v\u0113l vienu kred\u012btu, lai to ieg\u0101d\u0101tos. Taj\u0101 laik\u0101 kred\u012btu bank\u0101s var\u0113ja dab\u016bt \u013coti vienk\u0101r\u0161i. 2008.gad\u0101, pien\u0101kot kr\u012bzes laikam, mana mamma zaud\u0113ja darba vietu un vairs nevar\u0113ja nomaks\u0101t kred\u012btsaist\u012bbas, un p\u0101rc\u0113l\u0101s uz lauku m\u0101j\u0101m. Es paliku ar diviem \u012bpa\u0161umiem un 800 latu (1138.30euro) ikm\u0113ne\u0161a maks\u0101jumu uz kakla. Tr\u012bs, \u010detras reizes krit\u0101s ar\u012b mani ien\u0101kumi, kas padar\u012bja kred\u012bta slogu nepanesamu. P\u0113c vair\u0101kk\u0101rt\u0113jiem m\u0113\u0123in\u0101jumiem vienoties ar banku un c\u012bt\u012bgu kred\u012bta maks\u0101\u0161anu, cik tas bija iesp\u0113jams nepilnus divus gadus, es pie\u0146\u0113mu l\u0113mumu, konsult\u0113joties ar Kred\u012bt\u0146\u0113m\u0113ju konsult\u0101ciju centra speci\u0101listiem, par maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anu.\u201d<\/p>\n<p><!--more--><\/p>\n<p><strong>Atskats uz maks\u0101tnesp\u0113jas procesu un pirmaj\u0101m saj\u016bt\u0101m<\/strong><\/p>\n<p>\u201eProcess ilga piecus gadus. Atskatoties uz visu \u0161o laiku, varu teikt, ka bija viegli. \u0160\u0137iet, ka sirdsmiers un apzi\u0146a, ka viss b\u016bs k\u0101rt\u012bb\u0101 iest\u0101j\u0101s, kad bija iesniegti visi nepiecie\u0161amie dokumenti maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anai. Es un mana \u0123imene var\u0113j\u0101m uzelpot, jo vair\u0101k nesa\u0146\u0113m\u0101m zvanus br\u012bvdienu r\u012btos no kreditoriem un man\u0101 pasta kast\u0113 vair\u0101k nen\u0101ca atg\u0101din\u0101juma un br\u012bdin\u0101juma v\u0113stules. Var\u0113j\u0101m justies k\u0101 cilv\u0113ki.\u201d<\/p>\n<p><strong>Iedro\u0161in\u0101jums citiem<\/strong><\/p>\n<p>\u201eEs neb\u016bt nebiju vien\u012bgais, kam bija \u0161\u0101das probl\u0113mas, bet nev\u0113l\u0113jos pamest savu \u0123imeni, lai brauktu uz \u0101rzem\u0113m un str\u0101d\u0101tu tikai t\u0101p\u0113c, lai var\u0113tu atdot par\u0101dus. Ir \u013coti daudzi, kuri ir spiesti braukt uz \u0101rzem\u0113m ar\u012b tagad un str\u0101d\u0101t, lai atdotu aizdevumus, bet vai tas ir t\u0101 v\u0113rts? Atst\u0101t visu un str\u0101d\u0101t vair\u0101kus gadus par\u0101da d\u0113\u013c! Latvij\u0101 ir pieejama likum\u012bga iesp\u0113ja iziet maks\u0101tnesp\u0113jas procesu, un aicinu ar\u012b citus, kuriem ir \u0161\u0101das probl\u0113mas, izmantot \u0161o iesp\u0113ju likum\u012bg\u0101 veid\u0101 dz\u0113st par\u0101dus.\u201d<\/p>\n<p><strong>Procesa izmaksas<\/strong><\/p>\n<p>\u201eKop\u0113j\u0101s par\u0101dsaist\u012bbas ar visiem kav\u0113juma procentiem sast\u0101d\u012bja ap 220\u00a0000 latiem jeb aptuveni 313 000 euro. Personiski man, p\u0113c \u012bpa\u0161umu p\u0101rdo\u0161anas izsol\u0113, \u0161is process izmaks\u0101ja 14 euro ik m\u0113nesi visiem kreditoriem un administratora alga, kas ir minim\u0101l\u0101 alga, piecus gadu garum\u0101, k\u0101 ar\u012b vienreiz\u0113ja valsts nodevas nomaksa procesu uzs\u0101kot.\u201d<\/p>\n<p><strong>Vai ietu v\u0113lreiz cauri \u0161\u0101dam procesam?<\/strong><\/p>\n<p>\u201eJa b\u016btu t\u0101da situ\u0101cija, tad noteikti. Lai gan likumdo\u0161ana nosaka, ka tuv\u0101kos 10 gadus es nevaru uzs\u0101kt un iet maks\u0101tnesp\u0113jas procesu, bet atskatoties uz pag\u0101ju\u0161o procesu, tas bija pareizs l\u0113mums. \u017d\u0113l, ka neuzs\u0101ku procesu v\u0113l savlaic\u012bg\u0101k.\u201d<\/p>\n<p><strong>Liel\u0101kais atvieglojums<\/strong><\/p>\n<p>\u201eKad izg\u0101ju procesu un ieg\u0101ju interneta bank\u0101, tad kont\u0101 redz\u0113ju nulli, kur agr\u0101k st\u0101v\u0113ja m\u012bnus 150\u00a0000. T\u0101 bija neparakst\u0101ma saj\u016bta, ka varu s\u0101kt visu no s\u0101kuma, un tavs par\u0101ds ir likum\u012bgi dz\u0113sts.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ivo Kront\u0101ls ir nosl\u0113dzis savu 5 gadu ilgo maks\u0101tnesp\u0113jas procesu un norakst\u012bjis par\u0101du, kura summa sast\u0101d\u012bja 220\u00a0000 latus (313 032.29<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-485","post","type-post","status-publish","format-standard","hentry","category-aktuali"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=485"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/485\/revisions"}],"predecessor-version":[{"id":486,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/485\/revisions\/486"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}