Where can I find out about my debts?

Unfortunately, in the Czech Republic, information about a debtor's debts is not collected in one place, meaning that there is no unified register of debtors.

The following official registers are now available:

  • Bankovní registr klientských informací (BRKI). The register is operated by CBCB – Czech Banking Credit Bureau, a. s. Its shareholders are the founding banks - Česká spořitelna, Československá obchodní banka, Komerční banka, MONETA Money Bank and UniCredit Bank Czech Republic and Slovakia. Through this register, banks exchange information about the creditworthiness and trustworthiness of their clients.
  • Nebankovní registr klientských informací (NRKI). The register is operated by interest grouping of legal entities CNCB – Czech Non-Banking Credit Bureau, z.s.p.o., which was established to ensure and facilitate the mutual exchange of information between creditors (leasing and credit companies) on data relating to the creditworthiness, trustworthiness, and payment history of their clients, both individuals and legal entities. The NRKI collects data on clients from creditors and ensures that it is processed.

Extracts from both of the above registers can be obtained here:

https://kolikmam.cz/komplexni-vypis

Kolikmam.cz offers a comprehensive overview of financial obligations and creditworthiness assessments for citizens, including their historical data. The registers can be purchased in the e-shop. Identity can also be verified via BankID. The statement is then sent to the address provided by the applicant or can be printed out in paper form. If the application is sent in paper form, the signature on the application must be verified. The statement is then mailed COD.

  • SOLUS – Solus is an interest group. Debtors are entered into this register if they fail to meet their obligations to creditors. An overview of SOLUS members, as well as information on how to request a statement from Solus, is available here: https://www.solus.cz/
  • Central register of enforcement proceedings via CZECH POINT. The statement can be obtained at some post offices and municipal offices offering the CZECH POINT service. The fee is CZK 60 per page of the statement. The statement shows which enforcement offices are conducting enforcement proceedings against the person in question, but it is not possible to determine the current amount owed. To find out this information, it is necessary to contact the relevant enforcement office.
  • Vetting via court proceedings – within the framework of so-called civil proceedings. The district court with jurisdiction is the one in the place of permanent residence. Citizens may therefore request this court to review proceedings conducted against them. The court will then send the statement by registered mail. The fee for sending the statement may be CZK 100–150, but most district courts do not charge a fee.

Advisors at civic counselling centres also play an important role here. They are able to find out what proceedings the court is conducting – trials, payment orders, enforcement orders. Advisors may also ask potential creditors to confirm that the applicant has no outstanding debts – e.g., health insurance companies, tax offices, district social security administrations, municipalities (for fees), transport companies, etc.

Who is competent to draft and submit a proposal for debt relief?

There are several options:

  • lawyer
  • notary
  • judicial executor/bailiffs (unless enforcement proceedings are being conducted against the debtor or their spouse)
  • insolvency administrator
  • accredited person (list of accredited persons here: https://sako.justice.cz/

Accredited entities also include most member civic advisory offices of the Association of Civic Counselling Centres.

An overview of entities - lawyers, notaries, bailiffs, and insolvency administrators who draft and submit proposals for debt relief can be found in the VESTA database (voluntary registration of these entities). Odkaz zde: https://vesta.justice.cz/

The debtor may file the petition themselves if they have a master's degree in law or economics or have passed the insolvency administrator exam (in the case of a legal entity, if the person acting on its behalf meets these conditions).