Institut oddlužení v ČR: Pomůže novela insolvenčního zákona účinná od června 2019 věřitelům nebo dlužníkům?

This thesis deals with the institute of debt relief in the Czech Republic, primarily with the amendment to the Insolvency Act, which is in effect from June 1st, 2019. The aim of this thesis is to analyse the changes of the Insolvency Act concerning debt relief and to deliver a comprehensive view of the working of the institute of debt recovery under the new conditions. The meaning of the thesis is, besides the above mentioned, to answer the question whether the amendment to the Insolvency Act effective from June 1st, 2019 helps creditors or debtors. First, the document analyses the state and development of indebtedness of Czech households. After that, the thesis covers the causes and consequences of high indebtedness for the debtors and the entire society. Afterwards, the dissertation analyses the changes that the amendment to the Insolvency Act brought into the working of the institute of debt relief. The argumentation of the dissertation concludes that the measures presented in the amendment have a relatively balanced impact and assist both groups. In fact, the amendment encompasses elements which help both the creditors and debtors. First and foremost, the amendment gives the opportunity to enter the process of debt relief to a higher number of debtors, which might produce a beneficial result for debtors, creditors and society.