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The legal aspects of debt relief
MIKEŠOVÁ, Veronika
This bachelor work deals with the legal aspects of debt relief. Debt relief is one of the ways of resolving insolvency, which was incorporated in the Czech legislation in 2008. The first part contains a literature review and also analyzes the applicable legislation and the case law issued. In the second part the work deals with indebtedness of households. The third part provides a practical "how-to" for debtors. It guides an applicant for debt relief around the steps of the insolvency proceedings. This proceeding is initiated by filing an insolvency petition, together with a proposal for permission for debt relief. The work then deals with proceedings before the decision on the bankruptcy. This procedure is followed by proceedings after decisions on bankruptcy and leads the debtor to the completion of insolvency proceedings resolution of the court to meet all the statutory conditions. The debtor is subsequently exempted from paying claims.
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Professional Social Guidance to Insolvent Clients in České Budějovice
CÁBOVÁ, Markéta
The number of indebted people has been increasing recently, as well as the number of people who are not able to settle their debts falling into the debt spiral. When directly threatened by execution they turn to social service organizations dealing with debt issues hoping for their help. The goal of the thesis is to describe the issues of indebtedness in České Budějovice micro region. The aim of the work was to map the system of expert consultancy and the methodological process procedures in providing services to indebted clients in organizations providing debt consultation in České Budějovice.
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Oddlužení jako způsob řešení úpadku
Minaříková, Petra ; Moravec, Tomáš (advisor) ; Valenta, Petr (referee)
The Bachelor's thesis deals with the discharge of debts of a natural person which is governed by the Act No.182/2006 Coll., on Insolvency and Methods of Resolution (the Insolvency Act) and that came into force on January 1st 2008. The aim of this thesis is to provide a fundamental analysis of this non-eliminative method of resolving insolvency and the underlying issues are illustrated by the rulings of the high courts and the Supreme Court of the Czech Republic. The last chapter is devoted to the collective debt relief of the husband and wife, whose bankruptcy estate belongs to community property; this issue is practically created by the practice of the insolvency courts, because the Insolvency Act does not introduce it.
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Poverty in Sub-Saharan Africa - causes, impacts, solutions
Svitáková, Lucie ; Cihelková, Eva (advisor) ; Pluskalová, Eva (referee)
The aim of this thesis is to highlight the issue of poverty in Sub-Saharan Africa. In the first part I give the definition of poverty and indicators which are used for its measurement. It also determines the factors that lead to poverty in this area. The second part deals with the characteristics of the main problems that arise from the existence of poverty. It includes mainly a lack of access to basic needs, high debts and unequal opportunities in international trade. The last chapter focuses on some of the many tools that could lead to eradication of poverty such as the Millennium Development Goals, debt relief and the concept of Fairtrade. The paper draws upon both Czech and foreign books and Internet resources, especially the annual reports, statistics and databases of international institutions.
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Exekuce v praxi
Palásthy, Jozef ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
Bakalářská práce se prioritně snaží poskytnout nezasvěcenému občanovi pohled do světa exekucí a naznačit řešení jejich konkrétních případů. V teoretické části popisuje fungování exekučního procesu z pohledu zákona a v praktické části jsou uvedeny různé případy ze života. Cílem praktické části bylo zhodnotit svět exekucí jako takový a navrhnout řešení Katčinho problému.
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Consumer Protection in the financial market in the Czech republic
Deržáková, Ilona ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
The thesis provides an overview of consumer protection in the financial markets in the Czech Republic. The focus is on the legislative system of client protection in commercial banking, which includes consumer credit, protecting consumer deposits and system of payments. Furthermore, this thesis deals with capital markets, focusing on consumer protection resulting from the implementation of MiFID in the legal system of the Czech Republic. The last segment of the financial markets defined in this thesis is the insurance industry. Each area of consumer protection is complemented by illustrations of current cases and includes an evaluation of the effectiveness of certain legal measures and revealing the weaknesses in each segment. Beyond the legislative framework are also described activities in the area of consumer protection by major institutions, in particular the activities of the Ministry of Finance of the Czech Republic, Czech Financial Arbitrator, Deposit Insurance Fund and the Guarantee Fund. To add to the comprehensiveness of the overview of consumer protection in the financial markets, additional protective measures were included (Institute of debt relief, distraint of debtor, protection of personal data of clients of financial institutions).
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Debt relief process influence on least developed countries
Rosenkranc, Filip ; Němečková, Tereza (advisor) ; Řehořová, Veronika (referee)
Bachelor thesis examines the problem of external debt of developing countries and also the initiatives that try to solve this problem. The biggest part deals with two initiatives: HIPC (Heavily Indebted Poor Countries) and MDRI (Multilateral Debt Relief Initiative). I examine the process and evolution of these initiatives and also their results, whether total amnount of debt relief or the decrease of ratio debt indicators. I further examine the impact of debt relief processes on the participating countries, especially the increase in poverty reducing expenditures and whether the debt sustainability is reached. I emphasize critical views of these initiatives, current problems and issues that will need further attention. The debt relief process and its effects are demonstrated on the example of one particular country - Uganda.
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Process of Debt Relief in Sub-Saharan Africa
Hvoždová, Vladimíra ; Němečková, Tereza (advisor) ; Adamcová, Lenka (referee)
The objective of the thesis was to evaluate the impact of debt relief on external debt sustainability and on economic and human development in Sub-Saharan Africa. While the first chapter describes trends in volume and structure of external debt of developing countries as a whole, including causes and impacts of high level of external indebtedness, the second chapter focuses on external indebtedness and its characteristic features of Sub-Saharan countries. The third chapter deals with the debt relief committed and delivered by official bilateral and multilateral creditors (Paris Club, Heavily Indebted Poor Countries Initiative and Multilateral Debt Relief Initiative). The last chapter evaluates the impacts of debt relief on macroeconomic and human development indicators using an example of two least developed countries of Sub-Saharan Africa -- Burkina Faso and Sierra Leone.
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The Role of G7/G8 in the World Economy - Selected Aspects
Matei, Tatiana ; Stuchlíková, Zuzana (advisor) ; Hnát, Pavel (referee)
The position of Group of Eight is today very important from the world ecomomic view. The aim of this bachelor thesis is to summarize the impact of the evolution of this group and to describe some selected influential areas more detailed. The author of the thesis sums up the origin of the group including the present influence on the world in the first part of the thesis. The next chapter contains descriptions of some of the most important aspects of the world economy. In particular, these are topics which involve the debt relief of developing countries, poverty reduction, nuclear safety, international security and terrorism.
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Is Debt Cancellation a Good Way to go?
Vopařilová, Radka ; Štěpánek, Pavel (advisor) ; Kapinusová, Jana (referee)
The issue of the high levels of external debt in the poorest nations has become an increasing matter of concern for the industrialized nations due to the difficulties that heavily indebted nations have with sustaining economic growth. In 2005 the Group of Eight pledged to cancel the debt of the world?s most indebted countries that are eligible for the relief under the Highly Indebted Poor Country (HIPC) initiative. Based on this pledge, the World Bank and the International Monetary Fund approved the debt cancellation in March 2006, with debt cancellation commencing on June 1, 2006. As a reaction, this thesis provides an overview of arguments in favor of debt cancellation as well as against debt cancellation as they are introduced in economic literature. After presenting and taking all the points of view into consideration this thesis comes to the conclusion whether the debt cancellation is a good way to go.
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