Osobní bankrot jako způsob řešení úpadku fyzické osoby

Abstract

This thesis addresses the issue of the bankruptcy of legal entities and individuals that got into a situation where they are not able to meet their obligations. The main objective of this paper is to evaluate debtors’ claims and to analyze them. The partial goal of this thesis is to highlight the importance of financial literacy as a tool for prevention and assistance in the economic activities of an individual. The thesis covers the issue of the debt relief of a concrete individual. The thesis also describes the steps of the process of debt relief. The given problem was resolved by analyzing individual receivables. The analysis of the submitted claims found that they could be reduced by 24.99%. The thesis also focuses on the level of financial literacy in the area of loans of high school students from grammar school, business school, and secondary vocational school. The aim is to highlight the absence and underestimation of financial literacy at schools, especially at secondary ones. The survey provided clearly shows that the level of knowledge in the area of ​​financial literacy and student loans to the aforementioned types of secondary schools is very low. The main finding is that the low level of financial literacy can have a major economic impact on human life, as in the case of the individual whose claims were analyzed in this project.