Household over - indebtedness and living standard in Croatia

U ovom radu je obrađena problematika prezaduženosti kućanstva u Republici Hrvatskoj. Uz pojam prezaduženosti je usko povezan i pojam Ovrhe - instrumenta naplate dospjelih dugovanja koja nisu podmirena u zakonskom roku. Kroz različite analize se pokušalo pronaći različite uzroke prezaduženosti građana. Loša financijska pismenost, netransparentnost banaka te drugih kreditnih institucija, želja za boljim životnim standardom je uzrokovala prekomjerno zaduživanje građana te pojavom financijske krize 2008. godine je došlo do eksplozije duga od kojih se i danas kućanstva oporavljaju.The implementation of the enforcement of citizens 'funds, which was made possible by the Government through the Law, proved by the financial agency, and the citizens' funds were confiscated. Blocked citizens became low-income households, pensioners, small and medium-sized enterprises, marginalized groups of the socially disadvantaged, single and self-employed, credit over-indebted, unemployed, the elderly, families with small children and the Croatian government created a new form of humanitarian crisis. cannot be solved without deep reform strategies. The aim of this paper is to present the process of proving enforcement against citizens in Croatia and to analyze how the amendment to the Law on the Implementation of the Law on Cash Affects the standard of living of citizens in Croatia. The purpose of this paper is to point out the seriousness of the situation that arose from the implementation of the entire process and how many negative implications it generated