{"id":3799,"date":"2022-12-26T10:27:02","date_gmt":"2022-12-26T09:27:02","guid":{"rendered":"https:\/\/sekundi.eu\/vymahanie-pohladavok-v-europe\/vymahanie-pohladavok-v-nemecku\/"},"modified":"2025-10-01T17:33:28","modified_gmt":"2025-10-01T15:33:28","slug":"vymahanie-pohladavok-v-nemecku","status":"publish","type":"page","link":"https:\/\/sekundi.eu\/sk\/europe\/vymahanie-pohladavok-v-nemecku\/","title":{"rendered":"Vym\u00e1hanie poh\u013ead\u00e1vok v Nemecku"},"content":{"rendered":"\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>M\u00e1te medzin\u00e1rodn\u00fd dlh v medzin\u00e1rodnej spolo\u010dnosti? Ako spolo\u010dnos\u0165 m\u00f4\u017eete otvori\u0165 svoj trh in\u00fdm spolo\u010dnostiam na medzin\u00e1rodnej \u00farovni. Ak v\u0161ak nezaplatia, bude komplikovanej\u0161ie z\u00edska\u0165 svoje peniaze sp\u00e4\u0165. Objavte <strong>r\u00fdchle a efekt\u00edvne vym\u00e1hanie poh\u013ead\u00e1vok <\/strong>so sie\u0165ou Sekundi.   <\/p>\n\n<p>Nemecko, ktor\u00e9 je ve\u013emocou eur\u00f3pskeho hospod\u00e1rstva, predstavuje jedine\u010dn\u00e9 prostredie pre vym\u00e1hanie poh\u013ead\u00e1vok. Pre podniky p\u00f4sobiace na medzin\u00e1rodnej \u00farovni je pochopenie nu\u00e1ns nemeck\u00fdch z\u00e1konov o vym\u00e1han\u00ed poh\u013ead\u00e1vok, kult\u00farnych faktorov a osved\u010den\u00fdch postupov k\u013e\u00fa\u010dov\u00e9 pre \u00faspe\u0161n\u00e9 vym\u00e1hanie poh\u013ead\u00e1vok B2B a B2C. <\/p>\n\n<p>V spolo\u010dnosti Sekundi ver\u00edme, \u017ee efekt\u00edvne vym\u00e1hanie poh\u013ead\u00e1vok z\u00e1vis\u00ed od miestnych odborn\u00fdch znalost\u00ed. T\u00e1to pr\u00edru\u010dka poskytuje preh\u013ead nemeck\u00e9ho pr\u00e1vneho r\u00e1mca, kult\u00farnych aspektov a strat\u00e9gi\u00ed, ktor\u00e9 v\u00e1m pom\u00f4\u017eu s istotou sa orientova\u0165 pri vym\u00e1han\u00ed poh\u013ead\u00e1vok v Nemecku. <\/p>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-marron-clair-color has-text-color has-small-font-size\"><strong>MEDZIN\u00c1RODN\u00c9 VYM\u00c1HANIE POH\u013dAD\u00c1VOK<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"debt-collection-worldwide-69394841-8e5e-43bb-8c94-ebd49164984b\"><strong>Vym\u00e1hanie poh\u013ead\u00e1vok na celom svete<\/strong><\/h2>\n\n\n\n<p>Na\u0161i miestni odborn\u00edci sa opieraj\u00fa o dlhoro\u010dn\u00e9 sk\u00fasenosti a zaru\u010duj\u00fa efekt\u00edvne vym\u00e1hanie va\u0161ich poh\u013ead\u00e1vok. Spolo\u010dnos\u0165 Sekundi m\u00f4\u017ee pon\u00faknu\u0165 priate\u013esk\u00e9 vym\u00e1hanie poh\u013ead\u00e1vok, ako aj sporn\u00e9 vym\u00e1hanie poh\u013ead\u00e1vok prostredn\u00edctvom s\u00fadneho konania. <\/p>\n\n\n\n<p>Spolo\u010dnos\u0165 Sekundi si kladie za povinnos\u0165 spr\u00e1va\u0165 sa k dl\u017en\u00edkom \u010destne, a to aj v pr\u00edpade, \u017ee sami neuhradili fakt\u00fary, aby neohrozili obchodn\u00e9 vz\u0165ahy, ktor\u00e9 pestujete so svojimi klientmi.<\/p>\n\n\n\n<div class=\"wp-block-advgb-button alignnone\"><a class=\"wp-block-advgb-button_link advgbbtn-c527b67f-5019-46e5-a44e-39326bb26383\" href=\"https:\/\/sekundi.eu\/contact\/\" target=\"_self\" rel=\"noopener noreferrer\"><span>Kontakt-us<\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-video\"><video height=\"288\" style=\"aspect-ratio: 352 \/ 288;\" width=\"352\" controls=\"\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/sekundi-network.mp4\"><\/video><\/figure>\n<\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns alignwide process is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column animated fadeInUp delay-100ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>1<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Prv\u00fd kontakt<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Kontaktujte n\u00e1s prostredn\u00edctvom n\u00e1\u0161ho <a rel=\"noreferrer noopener\" href=\"https:\/\/sekundi.eu\/sk\/kontakt\/\" data-type=\"URL\" data-id=\"https:\/\/sekundi.eu\/contact\/\" target=\"_blank\">kontaktn\u00e9ho formul\u00e1ra<\/a>, pre\u0161tudujeme v\u00e1\u0161 probl\u00e9m a va\u0161e potreby.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step1\"><strong>\u2023 Pre\u010d\u00edtajte si viac<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-200ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>2<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><strong>Po\u0161lite svoje nezaplaten\u00e9 fakt\u00fary<\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Ozn\u00e1mte n\u00e1m, v ktorej krajine m\u00e1te neuhraden\u00fa platbu, po\u0161lite n\u00e1m fakt\u00faru a my sa o v\u0161etko postar\u00e1me!<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step2\"><\/a><strong><a href=\"#step2\"><strong>\u2023 Pre\u010d\u00edtajte si viac<\/strong><\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-300ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>3<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Z\u00edskajte inform\u00e1cie<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Prostredn\u00edctvom intranetu v\u00e1s nepretr\u017eite informujeme o v\u00fdvoji va\u0161ich \u00fa\u010dtov a poskytujeme spr\u00e1vy o priebehu vym\u00e1hania poh\u013ead\u00e1vok v jazyku, ktor\u00fd si vyberiete.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step3\"><\/a><strong><a href=\"#step3\"><strong>\u2023 Pre\u010d\u00edtajte si viac<\/strong><\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-400ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>4<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>N\u00e1klady na vym\u00e1hanie<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Odmena za \u00faspech. Jednotn\u00e1 cenov\u00e1 politika v celej Eur\u00f3pe: 15 % sumy.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step4\"><\/a><strong><a href=\"#step4\"><strong>\u2023 Pre\u010d\u00edtajte si viac<\/strong><\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n<figure class=\"wp-block-image alignfull size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"160\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash-1024x160.jpg\" alt=\"\" class=\"wp-image-2630\" srcset=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash-1024x160.jpg 1024w, https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash-300x47.jpg 300w, https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash-768x120.jpg 768w, https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash-1536x240.jpg 1536w, https:\/\/sekundi.eu\/wp-content\/uploads\/2023\/02\/joshua-rawson-harris-k3fmuSvQi2A-unsplash.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns alignwide margt-300 animated fadeInUp is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<div class=\"wp-block-group arrondi has-blanc-color has-marron-noir-background-color has-text-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"marg0 has-blanc-color has-text-color wp-block-heading\">Uistite sa, \u017ee svoje dlhy vym\u00e1hate na medzin\u00e1rodnej \u00farovni<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Medzin\u00e1rodn\u00e9 vym\u00e1hanie poh\u013ead\u00e1vok v spolupr\u00e1ci so sie\u0165ou Sekundi.<\/p>\n\n\n\n<p>Medzin\u00e1rodn\u00e9 vym\u00e1hanie poh\u013ead\u00e1vok je slu\u017eba, ktor\u00fa v\u00e1m pon\u00fakame v pr\u00edpade, \u017ee osoba, ktor\u00e1 v\u00e1m dlhuje peniaze, m\u00e1 bydlisko alebo s\u00eddlo v inej krajine ako vo va\u0161ej.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-advgb-button alignnone advgb-dyn-af380dc0\"><a class=\"wp-block-advgb-button_link advgbbtn-0a882ba4-2603-44b7-836a-2a15c93f6cb8\" href=\"https:\/\/sekundi.eu\/sk\/ako-to-funguje\/\" target=\"_self\" rel=\"noopener noreferrer\"><span><span>Pre\u010d\u00edtajte si viac<\/span><\/span><\/a><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\"><\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns are-vertically-aligned-top is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Pr\u00e1vny r\u00e1mec: Pochopenie procesu vym\u00e1hania poh\u013ead\u00e1vok v Nemecku<\/h2>\n\n\n\n<p>Nemeck\u00fd pr\u00e1vny syst\u00e9m pon\u00faka \u0161trukt\u00farovan\u00fd, hoci niekedy zd\u013ahav\u00fd pr\u00edstup k vym\u00e1haniu poh\u013ead\u00e1vok.<\/p>\n\n\n\n<p><strong>1. Mahnschreiben: <\/strong>ako pri ka\u017edom procese vym\u00e1hania poh\u013ead\u00e1vok je d\u00f4le\u017eit\u00e9 pok\u00fasi\u0165 sa o zmierliv\u00fd postup, tzv. <strong> <em>Mahnschreiben<\/em><\/strong>, ktor\u00fd pozost\u00e1va zo \u0161tyroch p\u00edsomn\u00fdch upomienok zaslan\u00fdch po\u0161tou.<\/p>\n\n\n\n<p><strong>2. Mahnverfahren (Dunningov postup):<\/strong> Ide o zjednodu\u0161en\u00e9, zr\u00fdchlen\u00e9 s\u00fadne konanie na vym\u00e1hanie nesporn\u00fdch pe\u0148a\u017en\u00fdch poh\u013ead\u00e1vok. Nevy\u017eaduje si s\u00fadne pojedn\u00e1vanie a \u010dasto je prv\u00fdm krokom pred \u00fapln\u00fdm s\u00fadnym konan\u00edm. <\/p>\n\n\n\n<p>- <strong>\u017diados\u0165 o platobn\u00fd rozkaz (Mahnbescheid):<\/strong> Verite\u013e pod\u00e1va na miestne pr\u00edslu\u0161n\u00fd s\u00fad \u017eiados\u0165 o vydanie platobn\u00e9ho rozkazu. T\u00fdmto dokumentom sa od dl\u017en\u00edka ofici\u00e1lne po\u017eaduje platba. <\/p>\n\n\n\n<p>- <strong>Pr\u00e1vo dl\u017en\u00edka vznies\u0165 n\u00e1mietku (Widerspruch):<\/strong> Dl\u017en\u00edk m\u00e1 dva t\u00fd\u017edne na podanie n\u00e1mietky proti platobn\u00e9mu rozkazu. Ak pod\u00e1 n\u00e1mietku, proces sa zvy\u010dajne presunie na riadne s\u00fadne konanie. <\/p>\n\n\n\n<p>- <strong>N\u00e1vrh na vydanie exeku\u010dn\u00e9ho pr\u00edkazu (Vollstreckungsbescheid):<\/strong> Ak dl\u017en\u00edk v dvojt\u00fd\u017ed\u0148ovej lehote nepod\u00e1 n\u00e1mietku, verite\u013e m\u00f4\u017ee po\u017eiada\u0165 o vydanie exeku\u010dn\u00e9ho pr\u00edkazu. Tento pr\u00edkaz je pr\u00e1vne z\u00e1v\u00e4zn\u00fd a rovnocenn\u00fd so s\u00fadnym rozhodnut\u00edm. <\/p>\n\n\n\n<p>- <strong>Vym\u00e1hanie pr\u00e1va:<\/strong> Po vydan\u00ed exeku\u010dn\u00e9ho pr\u00edkazu ho mo\u017eno vym\u00e1ha\u0165 r\u00f4znymi opatreniami, napr\u00edklad obstaven\u00edm bankov\u00fdch \u00fa\u010dtov, obstaven\u00edm mzdy alebo zabaven\u00edm majetku.<\/p>\n\n\n\n<p><strong>3. Riadne s\u00fadne konanie:<\/strong> Ak je dlh sporn\u00fd alebo ak je Mahnverfahren ne\u00faspe\u0161n\u00fd z d\u00f4vodu n\u00e1mietky, verite\u013e mus\u00ed iniciova\u0165 riadny s\u00fadny proces (Klageverfahren). Ide o zlo\u017eitej\u0161\u00ed a \u010dasovo n\u00e1ro\u010dnej\u0161\u00ed proces, ktor\u00fd si vy\u017eaduje podrobn\u00e9 d\u00f4kazy a pr\u00e1vne argumenty oboch str\u00e1n. <\/p>\n\n\n\n<p><strong>Upozornenie:<\/strong> V Nemecku je v\u0161eobecn\u00e1 preml\u010dacia lehota pre poh\u013ead\u00e1vky <strong>tri roky<\/strong> a za\u010d\u00edna plyn\u00fa\u0165 na konci roka, v ktorom poh\u013ead\u00e1vka vznikla a verite\u013e sa dozvedel o okolnostiach, ktor\u00e9 viedli k vzniku poh\u013ead\u00e1vky (alebo sa o nich mal dozvedie\u0165 bez hrubej nedbanlivosti).<\/p>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Vyu\u017e\u00edvanie medzin\u00e1rodnej siete Sekundi<\/strong><\/h2>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group shadow has-blanc-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Pr\u00edstup<\/strong><\/p>\n\n\n\n<p>N\u00e1\u0161 pr\u00edstup spo\u010d\u00edvaj\u00faci v tom, \u017ee z va\u0161ej krajiny kon\u00e1 zamestnanec alebo poskytovate\u013e slu\u017eieb, ktor\u00fd ovl\u00e1da jazyk pr\u00edslu\u0161nej krajiny, nie je najefekt\u00edvnej\u0161\u00ed.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group shadow has-blanc-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>V\u00fdhody<\/strong><\/p>\n\n\n\n<p>Vo va\u0161ej krajine m\u00e1te partnera, s ktor\u00fdm komunikujete, a ten je zodpovedn\u00fd za to, \u017ee v\u00e1\u0161 s\u00fabor po prijat\u00ed post\u00fapi svojmu miestnemu partnerovi, ktor\u00fd bude kona\u0165 v s\u00falade so zvyklos\u0165ami a pravidlami pr\u00edslu\u0161nej krajiny, aby dosiahol \u00fahradu va\u0161ej fakt\u00fary.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group shadow has-blanc-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Cie\u013e<\/strong><\/p>\n\n\n\n<p>Vytvorenie celosvetovej siete so siln\u00fdm obchodn\u00fdm partnerom v ka\u017edej krajine s cie\u013eom zaru\u010di\u0165 optim\u00e1lne rie\u0161enie pr\u00edpadov na miestnej \u00farovni s pr\u00edslu\u0161nou podporou spravodajsk\u00fdch inform\u00e1ci\u00ed \u0161pecifick\u00fdch pre ka\u017ed\u00fa krajinu.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Osved\u010den\u00e9 postupy pre vym\u00e1hanie poh\u013ead\u00e1vok B2B a B2C v Nemecku<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pre vym\u00e1hanie poh\u013ead\u00e1vok B2B:<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Jasn\u00e9 zmluvy:<\/strong> Uistite sa, \u017ee va\u0161e zmluvy s nemeck\u00fdmi podnikmi s\u00fa starostlivo vypracovan\u00e9, pr\u00e1vne spr\u00e1vne a jasne uv\u00e1dzaj\u00fa platobn\u00e9 podmienky, term\u00edny splatnosti a d\u00f4sledky neplatenia.<\/li>\n\n\n\n<li><strong>V\u010dasn\u00e1 intervencia:<\/strong> Neodkladajte. Kr\u00e1tko po ome\u0161kan\u00ed platby po\u0161lite zdvoril\u00e9 upomienky. <\/li>\n\n\n\n<li><strong>Udr\u017eujte komunik\u00e1ciu:<\/strong> Udr\u017eujte otvoren\u00e9 komunika\u010dn\u00e9 linky. Niekedy m\u00f4\u017ee by\u0165 oneskorenie platby sp\u00f4soben\u00e9 administrat\u00edvnym nedopatren\u00edm, ktor\u00e9 sa d\u00e1 r\u00fdchlo vyrie\u0161i\u0165. <\/li>\n\n\n\n<li><strong>P\u00e1kov\u00fd efekt Mahnverfahren:<\/strong> V pr\u00edpade nesporn\u00fdch poh\u013ead\u00e1vok B2B je Mahnverfahren \u00fa\u010dinn\u00fdm prv\u00fdm krokom pred za\u010dat\u00edm \u00fapln\u00e9ho s\u00fadneho konania.<\/li>\n\n\n\n<li><strong>Miestna odbornos\u0165:<\/strong> Spolupr\u00e1ca s miestnou agent\u00farou na vym\u00e1hanie poh\u013ead\u00e1vok alebo pr\u00e1vnym expertom, ako je Sekundi, je neocenite\u013en\u00e1. Rozumej\u00fa zlo\u017eitostiam nemeck\u00e9ho pr\u00e1va a kult\u00farnym nuans\u00e1m. <\/li>\n<\/ol>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Pre vym\u00e1hanie poh\u013ead\u00e1vok B2C:<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ochrana spotrebite\u013ea:<\/strong> Nemeck\u00e9 z\u00e1kony na ochranu spotrebite\u013ea s\u00fa pr\u00edsne. V\u0161etky snahy o vym\u00e1hanie poh\u013ead\u00e1vok musia by\u0165 spravodliv\u00e9, transparentn\u00e9 a pr\u00edsne v s\u00falade s pr\u00e1vnymi predpismi. <\/li>\n\n\n\n<li><strong>Profesion\u00e1lne spr\u00e1vanie:<\/strong> Zachovajte profesion\u00e1lny a empatick\u00fd pr\u00edstup. Spotrebitelia s\u00fa ochotnej\u0161\u00ed spolupracova\u0165, ak maj\u00fa pocit, \u017ee sa s nimi zaobch\u00e1dza spravodlivo. <\/li>\n\n\n\n<li><strong>Spl\u00e1tkov\u00e9 pl\u00e1ny:<\/strong> Pre spotrebite\u013eov, ktor\u00ed maj\u00fa skuto\u010dn\u00e9 finan\u010dn\u00e9 \u0165a\u017ekosti, m\u00f4\u017ee by\u0165 ponuka primeran\u00fdch spl\u00e1tkov\u00fdch kalend\u00e1rov \u00fa\u010dinn\u00fdm sp\u00f4sobom, ako vym\u00f4c\u0165 dlhy a z\u00e1rove\u0148 zachova\u0165 dobr\u00fa poves\u0165.<\/li>\n\n\n\n<li><strong>S\u00falad s GDPR:<\/strong> S osobn\u00fdmi \u00fadajmi zaobch\u00e1dzajte mimoriadne opatrne. Pri ka\u017edom kontakte so spotrebite\u013eom je potrebn\u00e9 dodr\u017eiava\u0165 pr\u00edsne predpisy o ochrane \u00fadajov. <\/li>\n\n\n\n<li><strong>Uprednostnite medi\u00e1ciu:<\/strong> Predt\u00fdm, ako sa uch\u00fdlite k s\u00fadnemu konaniu, presk\u00famajte mo\u017enosti mimos\u00fadneho vyrovnania alebo medi\u00e1cie, najm\u00e4 v pr\u00edpade men\u0161\u00edch spotrebite\u013esk\u00fdch dlhov.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group alignwide has-marron-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-blanc-color has-text-color has-xxlarge-font-size\"><strong>M\u00e1te neuhraden\u00e9 poh\u013ead\u00e1vky v inej krajine a m\u00e1te probl\u00e9my s ich \u00fahradou? <strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-advgb-button aligncenter advgb-dyn-11fe3ae6\"><a class=\"wp-block-advgb-button_link advgbbtn-3f0f76f6-2322-4a40-90ae-7bbd1725b1fa\" href=\"https:\/\/sekundi.eu\/sk\/kontakt\/\" target=\"_self\" rel=\"noopener noreferrer\"><span><span>Po\u0161lite svoju poh\u013ead\u00e1vku<\/span><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignwide network\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center marg0 has-marron-clair-color has-text-color has-small-font-size\"><strong>NA\u0160A SIE\u0164<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-align-center marg0 wp-block-heading\">Zahrnut\u00e9 krajiny<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<ul class='country-sitemap'><li><a href='https:\/\/sekundi.eu\/sk\/juznej-amerike\/'>Vym\u00e1hanie poh\u013ead\u00e1vok v Ju\u017enej Amerike<\/a><ul><li><a href='https:\/\/sekundi.eu\/sk\/juznej-amerike\/vymahanie-pohladavok-v-cile\/'><i class='fa-solid fa-map-pin'><\/i>Vym\u00e1hanie poh\u013ead\u00e1vok v \u010cile<\/a><\/li><li><a href='https:\/\/sekundi.eu\/sk\/juznej-amerike\/vymahanie-pohladavok-v-peru\/'><i class='fa-solid fa-map-pin'><\/i>Vym\u00e1hanie poh\u013ead\u00e1vok v Peru<\/a><\/li><\/li><\/ul><\/li><\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-cover alignwide is-light\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"600\" class=\"wp-block-cover__image-background wp-image-27\" alt=\"\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner.jpg 1920w, https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner-300x94.jpg 300w, https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner-1024x320.jpg 1024w, https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner-768x240.jpg 768w, https:\/\/sekundi.eu\/wp-content\/uploads\/2022\/12\/home_banner-1536x480.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-blanc-background-color has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010casto kladen\u00e9 ot\u00e1zky<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-5d9aa4cc-dd7e-425d-a543-88d683d6eed6 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#000;color:#eee;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon accordion-state\"><svg class=\"advgb-icon-closed\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,5.83L15.17,9l1.41-1.41L12,3L7.41,7.59L8.83,9L12,5.83z M12,18.17L8.83,15l-1.41,1.41L12,21l4.59-4.59L15.17,15 L12,18.17z\"><\/path><\/svg><svg class=\"advgb-icon-opened\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M7.41,18.59L8.83,20L12,16.83L15.17,20l1.41-1.41L12,14L7.41,18.59z M16.59,5.41L15.17,4L12,7.17L8.83,4L7.41,5.41L12,10L16.59,5.41z\"><\/path><\/svg><\/span><h3 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Pre\u010do si vybra\u0165 Sekundi pre potreby vym\u00e1hania poh\u013ead\u00e1vok v Nemecku?<\/h3><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<p>Orient\u00e1cia v nemeckom prostred\u00ed vym\u00e1hania poh\u013ead\u00e1vok si vy\u017eaduje d\u00f4kladn\u00fa znalos\u0165 pr\u00e1vneho r\u00e1mca a kult\u00farnych spletitost\u00ed. Na\u0161a medzin\u00e1rodn\u00e1 sie\u0165 Sekundi zah\u0155\u0148a sk\u00fasen\u00fdch odborn\u00edkov v Nemecku, ktor\u00ed sa dobre orientuj\u00fa v miestnych z\u00e1konoch a postupoch. <\/p>\n\n\n\n<p>Poskytujeme rie\u0161enia vym\u00e1hania poh\u013ead\u00e1vok na mieru, ktor\u00e9 re\u0161pektuj\u00fa nemeck\u00e9 pr\u00e1vne normy a kult\u00farne normy a zabezpe\u010duj\u00fa efekt\u00edvne a kompatibiln\u00e9 procesy vym\u00e1hania poh\u013ead\u00e1vok B2B aj B2C.<\/p>\n\n\n\n<p>Nedovo\u013ete, aby sa cezhrani\u010dn\u00fd dlh stal prek\u00e1\u017ekou v\u00e1\u0161ho obchodn\u00e9ho \u00faspechu. Kontaktujte Sekundi e\u0161te dnes a dozviete sa, ako v\u00e1m m\u00f4\u017eeme pom\u00f4c\u0165 vym\u00f4c\u0165 va\u0161e nesplaten\u00e9 poh\u013ead\u00e1vky v Nemecku. <\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<style class=\"advgb-styles-renderer\">.advgbbtn-c527b67f-5019-46e5-a44e-39326bb26383{font-size:18px;color:#2f2f2f !important;background-color:#fff !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:3px !important;border-color:#dde3e9 !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-c527b67f-5019-46e5-a44e-39326bb26383:hover{background-color:#dde3e9 !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0.2s ease;}.advgbbtn-c527b67f-5019-46e5-a44e-39326bb26383 > i {display: none !important;}.advgbbtn-0a882ba4-2603-44b7-836a-2a15c93f6cb8{font-size:18px;color:#fff !important;background-color:#7f634b 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!important;}<\/style>","protected":false},"excerpt":{"rendered":"<p>M\u00e1te medzin\u00e1rodn\u00fd dlh v medzin\u00e1rodnej spolo\u010dnosti? Ako spolo\u010dnos\u0165 m\u00f4\u017eete otvori\u0165 svoj trh in\u00fdm spolo\u010dnostiam na medzin\u00e1rodnej \u00farovni. Ak v\u0161ak nezaplatia, bude komplikovanej\u0161ie z\u00edska\u0165 svoje peniaze sp\u00e4\u0165. Objavte r\u00fdchle a efekt\u00edvne vym\u00e1hanie poh\u013ead\u00e1vok so sie\u0165ou Sekundi. Nemecko, ktor\u00e9 je ve\u013emocou eur\u00f3pskeho hospod\u00e1rstva, predstavuje jedine\u010dn\u00e9 prostredie pre vym\u00e1hanie poh\u013ead\u00e1vok. Pre podniky p\u00f4sobiace na medzin\u00e1rodnej \u00farovni je pochopenie [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":3515,"menu_order":414,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"class_list":["post-3799","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vym\u00e1hanie poh\u013ead\u00e1vok v Nemecku - Medzin\u00e1rodn\u00e9 vym\u00e1hanie dlhov<\/title>\n<meta name=\"description\" content=\"M\u00e1te dl\u017en\u00edka mimo va\u0161ej krajiny? 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