{"id":80155,"date":"2025-06-01T00:22:41","date_gmt":"2025-05-31T22:22:41","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=80155"},"modified":"2025-05-31T11:24:40","modified_gmt":"2025-05-31T09:24:40","slug":"petr-kalinovsky-veritelske-zbrane","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2025\/06\/01\/petr-kalinovsky-veritelske-zbrane\/","title":{"rendered":"Petr Kalinovsk\u00fd: V\u011b\u0159itelsk\u00e9 zbran\u011b"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p align=\"justify\">N\u00e1rodn\u00ed demokracie m\u00e1 ve sv\u00e9m programu\u00a0<a href=\"https:\/\/narodnidemokracie.cz\/z-noveho-programu-nd-oddluzeni-statu-a-obyvatelstva\/\">Milostiv\u00e9 l\u00e9to<\/a>, co\u017e je jednor\u00e1zov\u00fd projekt pro oddlu\u017een\u00ed lid\u00ed v exekuc\u00edch tak, aby se dlu\u017en\u00edk rychle zbavil dluhu a v\u011b\u0159itel z\u00edskal dlu\u017enou \u010d\u00e1stku (n\u00e1zev od n\u00e1s p\u0159evzaly sn\u011bmovn\u00ed strany, kter\u00e9 z na\u0161eho n\u00e1padu ale krom\u011b n\u00e1zvu nenechaly t\u00e9m\u011b\u0159 nic). Tento n\u00e1\u0161 program pom\u016f\u017ee t\u011bm, kdo se dostali do dluh\u016f nikoliv vlastn\u00ed vinou a po oddlu\u017een\u00ed se ji\u017e budou chovat zodpov\u011bdn\u011b. Z\u00e1rove\u0148 jsou tu ale ti, kdo se zadlu\u017euj\u00ed v\u011bdom\u011b a p\u016fsob\u00ed t\u00edm probl\u00e9my. A nad t\u00edm, jak tyto probl\u00e9my \u0159e\u0161it, se zamyslel n\u00e1\u0161 p\u0159\u00edznivec Petr Kalinovsk\u00fd.<\/p>\n<p align=\"justify\"><em>U dluh\u016f se ohl\u00ed\u017e\u00ed na ty\u00a0p\u0159edlu\u017een\u00e9. Ale co konstruktivn\u011b poslat uk\u0159i\u010den\u00e9 dlu\u017en\u00edky k ledu a pod\u00edvat se na to, aby se do dluh\u016f nemohli dost\u00e1vat?\u00a0<\/em><\/p>\n<p align=\"justify\"><em>P\u0159esko\u010dme \u201egenetick\u00e9 bank\u00e9\u0159e\u201c a profesion\u00e1ln\u00ed nebankovn\u00ed \u00fav\u011brov\u00e9 spole\u010dnosti. Ti b\u00fdvaj\u00ed v\u00fdbavou nap\u0159ed. Maj\u00ed\u00a0p\u0159\u00edstupy do registru dlu\u017en\u00edk\u016f a dal\u0161\u00ed prov\u011b\u0159ovac\u00ed mechanismy. Vy bezplatn\u011b ne. Smyslem n\u00e1padu je to, aby se sm\u011bne\u010dn\u00e1 v\u00fdpomoc nepova\u017eovala jako podez\u0159el\u00e9 rejd\u011bn\u00ed hami\u017enosti.\u00a0<\/em><\/p>\n<p align=\"justify\"><em>\u010casto se m\u016f\u017eeme setkat s jevem u\u017e tak p\u0159edlu\u017een\u00fdch podvodn\u00edk\u016f, kte\u0159\u00ed se pod fale\u0161n\u00fdm kamar\u00e1dstv\u00edm nebo pod pohnutkou sousedsk\u00e9 vz\u00e1jemnosti ne\u0161t\u00edt\u00ed vyl\u00e1kat statis\u00edce. A pak se bav\u00ed naivitou v\u011b\u0159itele, kter\u00fd si stahuje \u0161ablony sm\u011bnek\/smluv o z\u00e1p\u016fj\u010dce a p\u0159ihlouple\u00a0 douf\u00e1, \u017ee v\u00edce pro bezpe\u010dnost sv\u00fdch\u00a0 pen\u011bz u\u017e ud\u011blat nem\u016f\u017ee. Situace pokra\u010duje \u201ep\u0159\u00ed\u0161t\u011b, nem\u00e1m, po\u010dkej mi\u201c atd.\u00a0<\/em><\/p>\n<p align=\"justify\"><em>Dal\u0161\u00ed v\u00fddaje v\u011b\u0159itele \u010dekaj\u00ed p\u0159i hrazen\u00ed advok\u00e1ta, kter\u00fd pod\u00e1v\u00e1 form\u00e1ln\u00ed \u017ealobu. Pak po p\u016flroce telefon\u00e1tem advok\u00e1tovi zjist\u00edte, \u017ee soud sice \u017ealobu uznal, ov\u0161em dlu\u017en\u00edk m\u00e1 p\u0159ed v\u00e1mi tolik nasekan\u00fdch dluh\u016f s takov\u00fdmi \u010d\u00e1stkami, \u017ee na na ten v\u00e1\u0161 dluh se nikdy nedostane\u2026<\/em><\/p>\n<p align=\"justify\"><em>J\u00e1 v\u00edm, vych\u00e1z\u00ed se z pr\u00e1vn\u00edch filozofi\u00ed, jak odpov\u011bdnost p\u0159ed pr\u016f\u0161vihem byla na v\u011b\u0159iteli. Ale znovu opakuji: vy coby drobn\u00fd v\u011b\u0159itelsk\u00fd amat\u00e9r nem\u00e1te ty automatizovan\u00e9 prov\u011b\u0159ovac\u00ed n\u00e1stroje, co profesion\u00e1ln\u00ed lichv\u00e1\u0159i. V\u00fdsledek? Krom\u011b \u017eivotn\u00edho pou\u010den\u00ed?\u00a0<\/em><\/p>\n<p align=\"justify\"><em>Jeden prosaditeln\u00fd a efektivn\u00ed postup bych m\u011bl. Co tahle d\u00edl odpov\u011bdnosti polo\u017eit na dlu\u017en\u00edka? P\u0159itom p\u0159esto dbaj\u00edc\u00ed na jak\u00e9si zatajen\u00ed osobn\u00edch finan\u010dn\u00edch pom\u011br\u016f dlu\u017en\u00edka?\u00a0<\/em><\/p>\n<p align=\"justify\"><em>Ulo\u017eit dlu\u017en\u00edkovi povinnost p\u00edsemn\u011b informovat v\u011b\u0159itele o moment\u00e1ln\u00ed dlu\u017en\u00e9 situaci! T\u011bch dluh\u016f, o kter\u00fdch dlu\u017en\u00edk bezesporu musel v\u011bd\u011bt. Napad\u00e1 m\u011b horizont \u0161estin\u00e1sobek minim\u00e1ln\u00ed mzdy. N\u00ed\u017ee by se povinnost nevztahovala. V\u011b\u0159itel pak m\u00e1 informa\u010dn\u011b f\u00e9rovou vstupn\u00ed pozici pro rozhodnut\u00ed, zda do smlouvy vstoupit, \u010di ne. Naopak dlu\u017en\u00edk, kter\u00fd by nesplnil soub\u011b\u017enou povinnost p\u00edsemn\u00e9ho informov\u00e1n\u00ed, by dostal sankci na svobod\u011b podle trestn\u00edho z\u00e1kona. Ne jako dnes, kdy podvodn\u00ed\u010dek obdr\u017e\u00ed dal\u0161\u00ed v\u00fdzvu k zaplacen\u00ed dlu\u017en\u00e9 \u010d\u00e1stky podle po\u0159adn\u00edku, kter\u00e9 se vy\u010d\u016fr\u00e1nek jen vysm\u011bje a posledn\u00ed v\u011b\u0159itel v po\u0159adn\u00edku zapl\u00e1\u010de.<\/em><\/p>\n<p align=\"justify\"><em>P\u0159itom moje my\u0161lenka je seri\u00f3zn\u00ed pro ob\u011b strany. Ohled jak na tzv. vrstvuj\u00edc\u00ed dlu\u017en\u00edky, kte\u0159\u00ed maj\u00ed svobodu neloudit dal\u0161\u00ed a dal\u0161\u00ed p\u016fj\u010dky, ani\u017e by byli ochotni se pod\u011blit s informacemi o moment\u00e1ln\u00edm zadlu\u017een\u00ed. Tak p\u0159edev\u0161\u00edm na budouc\u00ed v\u011b\u0159itele, kte\u0159\u00ed se rozhodnou o soudr\u017en\u00e9 v\u00fdpomoci, ani\u017e se mus\u00ed nejd\u0159\u00edv pasovat do role Sherlock\u016f Holmes\u016f. Tato finan\u010dn\u00ed rizika p\u0159eci jen nechejme jen profesion\u00e1ln\u00edm spekulant\u016fm.<\/em><\/p>\n<p align=\"justify\"><em>A je\u0161t\u011b jednou: nejednalo by se o bobtn\u00e1n\u00ed pr\u00e1vn\u00edch fr\u00e1z\u00ed u ni\u017e\u0161\u00edch p\u016fj\u010dek (zde zmi\u0148ov\u00e1n \u0161estin\u00e1sobek minim\u00e1ln\u00ed mzdy). T\u011bch by se inovace net\u00fdkala.\u00a0<\/em><\/p>\n<p align=\"justify\"><em><a href=\"https:\/\/narodnidemokracie.cz\/petr-kalinovsky-veritelske-zbrane\/\">Petr Kalinovsk\u00fd, <\/a>p\u0159\u00edznivec ND<\/em><\/p>\n<p align=\"justify\">\n","protected":false},"excerpt":{"rendered":"<p>N\u00e1rodn\u00ed demokracie m\u00e1 ve sv\u00e9m programu\u00a0Milostiv\u00e9 l\u00e9to, co\u017e je jednor\u00e1zov\u00fd projekt pro oddlu\u017een\u00ed lid\u00ed v&#8230;<\/p>\n","protected":false},"author":2,"featured_media":80156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[1181,1503,9235],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/80155"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=80155"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/80155\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/80156"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=80155"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=80155"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=80155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}