Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija (LAKRA) ir liel\u0101k\u0101 sabiedrisk\u0101 organiz\u0101cija, kura ir konsult\u0113jusi cilv\u0113kus pirms fiziskas personas maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas, k\u0101 ar\u012b konsult\u0113 vis\u0101 maks\u0101tnesp\u0113jas procesa laik\u0101.<\/p>\n
Fizisko personu maks\u0101tnesp\u0113jas procesos cilv\u0113kiem ir daudz jaut\u0101jumu gan uzs\u0101kot maks\u0101tnesp\u0113jas procesu, gan ar\u012b pabeidzot, t\u0101p\u0113c \u0161aj\u0101 rakst\u0101 m\u0113\u0123in\u0101sim atbild\u0113t uz visvair\u0101k uzdotajiem jaut\u0101jumiem.<\/p>\n
Uzs\u0101kot maks\u0101tnesp\u0113jas procesu visbie\u017e\u0101k uzdotais jaut\u0101jums ir vai pirms maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas personai ir j\u0101b\u016bt darba tiesiskaj\u0101m attiec\u012bb\u0101m. N\u0113, darba tiesiskaj\u0101m attiec\u012bb\u0101m nav j\u0101b\u016bt, bet j\u0101b\u016bt ir nodok\u013cu maks\u0101t\u0101ja statusam (nodok\u013cu maks\u0101t\u0101ja statusu personai pie\u0161\u0137ir taj\u0101 dien\u0101, kad persona pirmo reizi nosl\u0113dz darba l\u012bgumu). Oblig\u0101ts nosac\u012bjums ir administratora atl\u012bdz\u012bbas, valsts nodevas un kancelejas nodevas samaksa.<\/p>\n
Tiesai pasludinot maks\u0101tnesp\u0113jas procesu tiek iecelts maks\u0101tnesp\u0113jas administrators (uz \u0161o br\u012bdi Latvij\u0101 darbojas 167 administratori, kurus tiesa iece\u013c p\u0113c Maks\u0101tnesp\u0113jas kontroles dienesta ieteikuma). Administratoram ir 2 galven\u0101s funkcijas – 1) kreditoru pras\u012bjumu p\u0101rbaude (Maks\u0101tnesp\u0113jas likum\u0101 ir noteikts, ka kreditoriem savi kreditoru pras\u012bjumi ir j\u0101piesaka administratoram). 2) par\u0101dnieka mantas apzin\u0101\u0161ana. Administratora pien\u0101kums ir p\u0101rbaud\u012bt inform\u0101ciju par par\u0101dniekam piedero\u0161o mantu, bet \u0161eit ir b\u016btiski nor\u0101d\u012bt uz p\u0113d\u0113j\u0101 laik\u0101 div\u0101m liet\u0101m, d\u0113\u013c kur\u0101m aizvien vair\u0101k tiek izbeigti maks\u0101tnesp\u0113jas procesi – 1) par\u0101dnieki 3 gadus pirms maks\u0101tnesp\u0113jas procesa pasludin\u0101\u0161anas ir sp\u0113l\u0113ju\u0161i azartsp\u0113les, kas atspogu\u013cojas par\u0101dnieka konta izrakstos; 2) par\u0101dnieki p\u0113d\u0113jos 3 gados pirms maks\u0101tnesp\u0113jas procesa pasludin\u0101\u0161anas savos kontos ir k\u0101dam maks\u0101juma m\u0113r\u0137\u012b nor\u0101d\u012bju\u0161i, ka m\u0113r\u0137is ir “Aizdevums” vai ar\u012b “Aizdevuma atgrie\u0161ana”, un \u0161os aizdevumus par\u0101dnieks nevar pier\u0101d\u012bt. L\u012bdz ar to uzs\u0101kot maks\u0101tnesp\u0113jas procesu par\u0101dniekam b\u016btu j\u0101p\u0101rskata savi konta p\u0101rskati un j\u0101p\u0101rliecin\u0101s, vai \u0161\u0101di p\u0101rskait\u012bjumi nav veikti.<\/p>\n
Savuk\u0101rt pabeidzot maks\u0101tnesp\u0113jas procesu arvien bie\u017e\u0101k maks\u0101tnesp\u0113jas procesi tiek izbeigti un par\u0101dnieki netiek atbr\u012bvoti no par\u0101dsaist\u012bb\u0101m, ja saist\u012bbu dz\u0113\u0161anas proced\u016bras laik\u0101 par\u0101dniekam nav bijis algots darbs (par\u0101dnieka ien\u0101kumu g\u016b\u0161anas avotam nav oblig\u0101ti j\u0101b\u016bt algotam darbam, par\u0101dnieks ien\u0101kumus var g\u016bt ar\u012b k\u0101, piem\u0113ram, pa\u0161nodarbin\u0101ta persona). Tiesas arvien skurpuloz\u0101k ar\u012b skat\u0101s Latvij\u0101 eso\u0161os konta p\u0101rskatus, jo uz \u0161o br\u012bdi \u0161\u0101da inform\u0101cija ties\u0101m ir pieejama caur Valsts ie\u0146\u0113mumu dienesta datu b\u0101zi, kur redzamas ir priv\u0101tpersonu kontu re\u0123istrs Latvijas teritorij\u0101 atv\u0113rtajiem kontiem. T\u0101pat ar\u012b tiesu praks\u0113 s\u0101k nostiprin\u0101ties atzi\u0146a, ka par\u0101dniekiem ir j\u0101veic maks\u0101jumi kreditoriem no skaidras naudas iemaks\u0101m (iz\u0146emot gad\u012bjumus, kad par\u0101dnieks algu sa\u0146em skaidr\u0101 naud\u0101) un no maks\u0101jumiem, kas sa\u0146emti no tre\u0161aj\u0101m person\u0101m.<\/p>\n
Un protams, par\u0101dniekiem j\u0101seko l\u012bdzi saist\u012bbu dz\u0113\u0161anas pl\u0101na izpildei, un palielinoties valst\u012b minim\u0101lajai algai j\u0101veic maks\u0101jumi kreditoriem saska\u0146\u0101 ar valst\u012b noteikto minim\u0101lo algu.<\/p>\n","protected":false},"excerpt":{"rendered":"
Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija (LAKRA) ir liel\u0101k\u0101 sabiedrisk\u0101 organiz\u0101cija, kura ir konsult\u0113jusi cilv\u0113kus pirms fiziskas personas maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas, k\u0101 ar\u012b<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,4],"tags":[],"class_list":["post-617","post","type-post","status-publish","format-standard","hentry","category-aktuali","category-maksatnespeja"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/617","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=617"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/617\/revisions"}],"predecessor-version":[{"id":618,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/617\/revisions\/618"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}