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76 - 11.Summary in English The thesis deals with the special regulation of personal bankruptcy in the Czech Republic introduced lately by the Act No. 182/2006 Coll., on bankruptcy and its solutions (the Insolvency Act) (hereinafter the "InsA"). The author presents a short history of the regulations of personal bankruptcy in the Czech Republic along with the problems of the former law with regard to its application on natural persons (consumers), and defines the term bankruptcy as seen from the perspective of the consumers. With this respect also the evolution of the indebtedness of consumers is briefly analysed and compared with the indebtedness in other countries coming to the conclusion that the actual state of indebtedness of consumers in the Czech Republic is not serious yet, though its acceleration might be worrying. Hence, the new regulation on personal bankruptcy was more than needed. Further on, the author presents an analysis of the special form of bankruptcy solution designed especially for consumers and introduced by the InsA - namely the "Bankruptcy Discharge" (hereinafter the "Discharge"). The Discharge offers an honest debtor a way out of his debts ("fresh start"). There are two main forms of the Discharge which is Discharge by liquidation of the bankruptcy assets and Discharge by a... |
