{"id":122276,"date":"2025-05-21T09:23:06","date_gmt":"2025-05-21T06:23:06","guid":{"rendered":"https:\/\/www.santaka.info\/?p=122276"},"modified":"2025-05-21T09:23:11","modified_gmt":"2025-05-21T06:23:11","slug":"skolu-isieskojimo-subtilybes-2025-aisiais","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/05\/21\/skolu-isieskojimo-subtilybes-2025-aisiais\/","title":{"rendered":"Skol\u0173 i\u0161ie\u0161kojimo subtilyb\u0117s 2025-aisiais"},"content":{"rendered":"<p>Pastebima, jog vis dar gaji nuomon\u0117, kad skol\u0173 i\u0161ie\u0161kojimas yra i\u0161skirtinai dideli\u0173 \u012fmoni\u0173 praktika ar net privilegija. Tai tikr\u0173 tikriausias mitas. \u0160iandien skolas gali sugr\u0105\u017einti tiek ma\u017eos \u012fmon\u0117s, tiek vienas asmuo. \u0160io proceso eigos \u017eingsniai kiekvienais metais vis tobulinami, ta\u010diau, be abejon\u0117s, pagrindas i\u0161lieka tas pats.&nbsp;<\/p><p>Kitas gana gajus mitas &#8211; antstoliai skol\u0105 gali sugr\u0105\u017einti akimirksniu. Egzistuoja ir visai prie\u0161inga nuostata &#8211; skolos atgauti nepavyks jokiu b\u016bdu. Tiek vienu, tiek kitu atveju taip manantys yra neteis\u016bs.&nbsp;<\/p><p>Technologijos tobul\u0117ja \u017eaibi\u0161ku grei\u010diu, reikia nepamir\u0161ti ir dirbtinio intelekto \u012ftakos. Jeigu anks\u010diau teisininkai skolas i\u0161ie\u0161kodavo fiziniu b\u016bdu, tai \u0161iandien da\u017enai tam pakanka keli\u0173 klavi\u0161\u0173 paspaudim\u0173, kad skolininko s\u0105skaita b\u016bt\u0173 blokuojama ir gaunamos \u017einios apie visas jo finansines operacijas. V\u0117lgi, pasikartosime, egzistuoja nema\u017eai subtilybi\u0173, kurios \u0161\u012f proces\u0105 pagreitina arba, atvirk\u0161\u010diai, prailgina jo eig\u0105. Tad k\u0105 reikia \u017einoti, jeigu su skol\u0173 i\u0161ie\u0161kojimu susid\u016br\u0117te tik dabar?<\/p><h2 class=\"wp-block-heading\">Kas lemia skol\u0173 i\u0161ie\u0161kojimo trukm\u0119?<\/h2><p><a href=\"http:\/\/eskolos.lt\">Eskolos.lt<\/a> kompanijos darbuotojai teigia, jog skol\u0173 i\u0161ie\u0161kojimo eiga gali trukti vos nuo vieno m\u0117nesio iki keletos met\u0173. Kad \u0161is procesas trukt\u0173 kuo trumpiau, labai svarbu \u012f skolininko nemokum\u0105 reaguoti kaip galima grei\u010diau. Visgi, ne visada tai duoda teigiam\u0173 rezultat\u0173. \u0160iandien vis dar galioja veiksniai, lemiantys, kaip greitai galima atgauti skol\u0105:<\/p><ul class=\"wp-block-list\"><li>Skolos dydis. Kuo ma\u017eesn\u0117 skola, tuo didesn\u0117 galimyb\u0117 atgauti j\u0105 kuo grei\u010diau. Skolininkai paprastai vengia gr\u0105\u017einti didesnes skolas. Ma\u017eesni\u0173 skol\u0173 administravimas yra gerokai paprastesnis ir reikalauja ma\u017eesni\u0173 resurs\u0173. Skolos i\u0161ie\u0161kojimas skolininkui visuomet kelia nema\u017eai r\u016bpes\u010di\u0173, tod\u0117l d\u0117l ma\u017e\u0173 sum\u0173 u\u017esikrauti didesnius r\u016bpes\u010dius tiesiog labai nenaudinga skolininkui. Tad jie stengiasi pinigus gr\u0105\u017einti, kaip galima grei\u010diau.\u00a0<\/li>\n\n<li>Skolos i\u0161ie\u0161kojimo b\u016bdas. Jeigu pavyksta susitarti deryb\u0173 b\u016bdu, be abejo, skol\u0105 atgauti galima gana greitai. Tuo atveju, kai prireikia teismo sprendimo, viskas u\u017esit\u0119sia.\u00a0<\/li>\n\n<li>Teisminio proceso trukm\u0117. Priklausomai nuo skolininko finansin\u0117s pad\u0117ties, \u0161eimynin\u0117s pad\u0117ties, skolos dyd\u017eio ir kitoki\u0173 veiksni\u0173 teismo sprendimai ir vykdom\u0173j\u0173 ra\u0161t\u0173 i\u0161davimai kiekvienu atveju turi skirtingus laikus. Kuo s\u0105lygos sud\u0117tingesn\u0117s, tuo procesas ilgesnis.\u00a0<\/li>\n\n<li>Skolininko finansin\u0117s pad\u0117tis ir gyvenamoji vieta. Jeigu skol\u0105 gr\u0105\u017einti turintis asmuo ar \u012fmon\u0117 turi stabilias pajamas ir kitokio vertingo turto, tuomet skolos gr\u0105\u017einimas gali \u012fvykti gana greitai. Prie\u0161ingu atveju procesas gali testis net kelis metus. Skolos gr\u0105\u017einim\u0105 apsunkina ir tai, jeigu skolininkas gyvena u\u017esienyje arba jo turtas yra kitoje \u0161alyje.\u00a0<\/li><\/ul><h2 class=\"wp-block-heading\">K\u0105 \u017eada 2025-ieji skolininkams?<\/h2><p>Vis dar skol\u0105 gr\u0105\u017einti turintys asmenys ar \u012fmon\u0117s griebiasi sen\u0173 priemoni\u0173 &#8211; tiesiog ignoruoja skol\u0105. Toki\u0173 bandym\u0173 m\u0117g\u0117jams \u0161ie metai \u017eada blog\u0105 \u017eini\u0105. Kaip min\u0117jome, technologijos tobul\u0117ja visose srityse. Ne i\u0161imtis ir skol\u0173 i\u0161ie\u0161kotoj\u0173 darbo kasdienyb\u0117. Skol\u0173 i\u0161ie\u0161kojimo \u012fmon\u0117s naudoja i\u0161mani\u0105sias sekimo sistemas, kurios analizuoja skolininko interneto aktyvum\u0105, socialinius tinklus ir net kelioni\u0173 istorij\u0105. Taigi, n\u0117 sakyti neverta, jog nusl\u0117pti nieko ir pasisl\u0117pti tikrai nepavyks.&nbsp;<\/p><p>Visuomet galima ie\u0161koti ka\u017ekokios i\u0161eities. Viena toki\u0173 &#8211; derybos su kreditoriais ir restrukt\u016brizavimo galimybi\u0173 pasirinkimas. Mok\u0117jimas dalimis gali tapti puikia i\u0161eitimi skolininkui.&nbsp;<\/p><h2 class=\"wp-block-heading\">K\u0105 rinktis: skol\u0173 i\u0161ie\u0161kojimo \u012fmon\u0119 ar antstol\u012f?<\/h2><p>Pastar\u0173j\u0173 met\u0173 statistika rodo, jog tiek privat\u016bs asmenys, tiek \u012fmon\u0117s, nor\u0117dami atgauti skol\u0105, vis da\u017eniau pasirenka skol\u0173 i\u0161ie\u0161kojimo \u012fmon\u0119. Tikimasi, jog \u0161iais metais tokie rodikliai tik did\u0117s. Kod\u0117l gi taip yra? Viskas labai paprasta. Tokios \u012fmon\u0117s turi didesnes galimybes atgauti skol\u0105 u\u017esienyje, nes jos bendradarbiauja su tarptautiniais partneriais. Antstoli\u0173 darbas paprastai remiasi klasikiniais metodais. Tuo tarpu minimos kompanijos nuolat atnaujina duomen\u0173 bazes, ie\u0161ko nauj\u0173 kontakt\u0173 ir b\u016bd\u0173 der\u0117tis su skolininkais.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Pastebima, jog vis dar gaji nuomon\u0117, kad skol\u0173 i\u0161ie\u0161kojimas yra i\u0161skirtinai dideli\u0173 \u012fmoni\u0173 praktika ar net privilegija. Tai tikr\u0173 tikriausias mitas. \u0160iandien skolas gali sugr\u0105\u017einti tiek ma\u017eos \u012fmon\u0117s, tiek vienas&#8230; <\/p>\n","protected":false},"author":13,"featured_media":122277,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[24,123,148],"tags":[],"class_list":["post-122276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","category-ekonomika","category-rinka","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas.jpg",1920,1442,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-300x225.jpg",300,225,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-768x577.jpg",768,577,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-1024x769.jpg",1024,769,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-1536x1154.jpg",1536,1154,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas.jpg",1920,1442,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-600x451.jpg",600,451,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/ekonomika\/\" rel=\"category tag\">Ekonomika<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/verslas\/rinka\/\" rel=\"category tag\">Rinka<\/a>","tag_info":"Rinka","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/skolu-isieskojimas.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=122276"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122276\/revisions"}],"predecessor-version":[{"id":122278,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122276\/revisions\/122278"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/122277"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=122276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=122276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=122276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}