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Executory Process - Selected Issues
Svědíková, Žaneta ; Moravec, Tomáš (advisor) ; Levý, Jan (referee)
The bachelor thesis deals with selected issues of enforcement proceedings - garnishee of wages and garnishee order. Attention is mainly paid to possibilities of legal protection of the debtor and third parties at the enforcement proceedings and the situation is viewed primarily from the perspective of the employee. The thesis is composed of four chapters and each of them contains analysis of important aspects of enforcement proceedings.
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Dimensions of the problem indebtedness of the populatin in the Czech Republic after 2000
DOLEŽALOVÁ, Petra
My bachelor thesis deals with the explanation of basic terms related to the debt issue. Among the basic concepts which the work is engaged, eg. Financial literacy, usury, execution, poverty, etc. in my bachelor work closely learn about with the causes of debt, debt prevention and consequences of debt. This work also deals with social work with debtors and introduces us to a debt-vulnerable group of people. The thesis analyzes the problem of indebtedness of the population in the Czech Republic after 2000. The problem is elaborated after 2000 because of the increase in non-financial institutions in the market in the Czech Republic, which brought negative economic and social problems which are mutually intertwined.
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Solving Intractable Financial Distress of Individuals
Křenková, Pavlína ; Hejda, Jan (advisor) ; Svoboda, Ondřej (referee)
The thesis is dedicated to the financial distress of individuals-non-entrepreneurs, the circumstances of its creation and focuses on possible ways of its solution. The aim is to theoretically identify and describe these methods in situations when debtors are no longer able to manage to repay their debts, and to provide useful instructions for debtors when facing insolvency or execution proceedings. For this reason, the emphasis is on the presentation of both types of proceedings in a comprehensive perspective and with all essential requirements in order to help debtors always assess the adequacy of the progress of their case relevantly. The thesis also includes a description of the most common negative ways of approach to unmanageable debts and suggests more suitable solutions.
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Consumer loan regulation
Babinec, Milan ; Ježek, Tomáš (advisor) ; Štěpánek, Pavel (referee)
On April 23rd, 2008 the Directive 2008/48/EC on credit agreements for consumers of the European Parliament was adopted in Europe and became effective as of June 11th, 2010. The fundamental concept of my graduation theses is based on the information relevant for the sphere of the consumer credit regulation in context of above mentioned Direction. I have endeavored to record the principles of these changes in particular connection with the Czech Republic. This theses reveals various spectrums of components as fundamental terminology, principle of RPSN calculation, interest rates of consumer loans regulation, comparison with regulation of this area with regulation in other European countries and in Japan, impact of current financial crisis upon sphere of consumer credits, effects of new executor's regulations, possibility of usage of various registers of debtors, question of personal bankruptcy and at the close methods and conditions of current consumer credit's providers within the Czech Republic. The intention of my theses was to inform the readers about the up-coming changes and regulatory measures which should increase the efficiency of consumer loans providing and decrease the volume of indebted people and to provide the readers also with arguments for and against these planned measures.
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The course of execution proceedings
Jelínková, Petra ; Žák, Květoslav (advisor) ; Spirit, Michal (referee)
The thesis deals with a very actual issue of execution, from the beginning to the end of proceedings, which monitors and analyzes each individual stage. Discusses the legal rules execution, execution modes, specifies the notion of the party and also addresses every single stage of the execution proceedings separately and in detail. It also deals with the rights of debtors and the frequent problems associated with the course of the execution proceedings, and shows the real life situation from the perspective of a party, whether in the role of the debtor himself, debtor spouse or roommate. The aim is to clarify the basic rights of debtor during the execution proceedings and demarcate negotiations of executors. Furthermore, my goal is to evaluate the current legal status of execution proceedings under the Enforcement Regulations, focusing in particular on its shortcomings and difficulties and also to ascertain whether the rights of debtors are sufficient. The motivation for the treatment of this issue for me is the large media coverage of the topic, his ignorance of the citizens and also a major financial illiteracy of the nation, which each year brings more problems to individuals and families.
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Development of Multithreaded Applications on the Java 8 platform
Souček, Dan ; Pecinovský, Rudolf (advisor) ; Pavlíčková, Jarmila (referee)
This master thesis is a programmer's guide book of a concurrent programming on the Java 8 platform. Concurrency brings additional issues that cannot occur in single-threaded ap-plications. One of the thesis' objectives is to analyze these issues and introduce several principles that, in case they are properly followed, help to create flawless and well-behaving concurrent applications. Another goal of this thesis is to describe the Java con-currency programming from the theoretical point of view. Firstly, the thesis is focused on basic thread development and synchronization issues. Later, it introduces the features and instruments that are provided by Java 5 and higher versions. The theoretical passages are enriched by practical examples that perform discussed features and help to clarify some specific issues. The thesis is written in Czech language and covers large set of concurrency topics from the very basics through the utility libraries to modern instruments present in Java 8.
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Enforcement proceedings conducted by the Enforcement Code and its social impact on the borrower
VOLFOVÁ, Ilona
My bachelor thesis deals with the current legal regulations of the civil executory proceedings pursuant to Act No. 120/2001 Coll. about the court executors and executive act (executive order) in comparison with proceedings pursuant to part six of civil proceeding code No. 99/1963 Coll. Until the effectivity of executory order in 2001 the civil proceeding code was the only legal enactment, which enabled creditors to enforce its civil claims if debtors don´t want to discharge a debt voluntarily. The claim must be declared by court or other institution and there must exist such desicion, it is basic for order of execution. Dualism of executory proceedings takes from 2001. Purpose of both proceedings was the same, enforce a debt, but the instruments which they used were different. Since 2013 there is the only chance to enforce civil claims if debtors don´t discharge and it´s executory proceedings because it offers faster and more effective way. The aim of the practical part is to find out the reasons for the borrowers to get enforcement proceedings, as part of the executor office in České Budějovice, and what impact this had on their social situation. The work was compiled in the form of qualitative and quantitative research, collection of data was conducted from content analysis of execution documents in selected execution office, and technology-driven interview was also used within the Office of 8 borrowers when borrowers selection was based on the possible availability. In the context of this research were defined subsequent research questions: 1) What are the causes of non-payment and subsequent executions? 2) What impact has the recovery on the social situation of the debtor, respectively. his family? Research has confirmed that people think poorly of their financial possibilities. They usually have a low income and the disproportionately high costs. It was found that the respondents have no financial plans. Often they don´t think, which points to a lack of rationality and miscalculation of finance. These findings confirm the forecasts of experts. The research also shows that it is necessary to focus on the prevention of the formation of the family budget and increasing financial literacy. Most often the borrowers owe the insurance, energy, and to the city, which also confirms the findings of experts on the topic of foreclosures. Often, in practice also meet with irresponsible sanation other debt. The research also confirmed the theoretical knowledge of experts. Supervised execution proceedings is negatively reflected on family life and can lead to psychological problems. The financial burden resulting from debt collection leads to an inability to fulfill other obligations, including such as cost of living. Respondents confirm the findings of experts that enforcement proceedings can lead to social exclusion and limitation of basic needs. Furthermore, research shows that people under execution only "survive" from paycheck to paycheck. It is also confirmed that the impact of enforcement can lead to alcoholism, illegal work and had a great impact on the whole family. The solution to this issue in order to avoid default on receivables and subsequent enforcement proceeding would be to increase the dissemination of information through the media. Information about the negative impacts of foreclosures should be provided clearly and should be available to all. It would also need to increase financial literacy and has been since elementary school. People should try to behave in a more economically way and be able to make responsible decisions about their finances. Possible assistance and prevention could be to extend the services of financial advisors who would provide information and advice on how to manage the family budget. From the state could lead to a tightening of credit conditions in the conclusion of contracts. The creditor should be required to determine the revenue potential borrower.
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Insolvency citizens of the Czech Republic
MATĚJKOVÁ, Michaela
The aim of my bachelor´s thesis is to map the situation of loan defaults by the Czech citizens. The theoretical part deals with the concept of insolvency. It is devoted to the description of the insolvency proceedings, the insolvency court characteristics and the characteristics of personal bankruptcy. Finally, the theoretical part is focused on the executors practise when loan aren´t repaid. The practical part aims the insolvency survey of the Czech citizens over 18 years old. Furthermore, the insolvency was compared according to sex, age, educational attainment and social status. Finally, it was investigated, how well are these respondents financially literate and if the lack of financial literacy affects the insolvency of surveyed ones.
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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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