{"id":7,"date":"2023-11-06T11:31:47","date_gmt":"2023-11-06T11:31:47","guid":{"rendered":"https:\/\/amca.ba\/?p=7"},"modified":"2025-07-09T12:23:31","modified_gmt":"2025-07-09T12:23:31","slug":"naslovna","status":"publish","type":"page","link":"https:\/\/amca.ba\/","title":{"rendered":"Naslovna"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7\" class=\"elementor elementor-7\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60a48027 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"60a48027\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-6abd8c6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6abd8c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9063ba1 elementor-widget elementor-widget-image\" data-id=\"9063ba1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/AMCA_logo_symbolonly-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1532\" alt=\"\" srcset=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/AMCA_logo_symbolonly-150x150.png 150w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/AMCA_logo_symbolonly-300x300.png 300w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/AMCA_logo_symbolonly.png 500w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-150584e elementor-widget__width-initial elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"150584e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;marker&quot;:&quot;underline&quot;,&quot;highlighted_text&quot;:&quot;&lt;b style=\\&quot; color:brown\\&quot;&gt;AMCA&lt;\\\/b&gt;&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">Udru\u017eenje kompanija za upravljanje imovinom i naplatu potra\u017eivanja <\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\"><b style=\"color:brown\">AMCA<\/b><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67431bd elementor-widget elementor-widget-text-editor\" data-id=\"67431bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Udru\u017eenje je osnovano 2022. godine kao neprofitna organizacija, a cilj je aktivno sudjelovanje u javnoj raspravi kako bismo podigli svijest o va\u017enosti pozitivne regulative i eti\u010dnosti u industriji naplate potra\u017eivanja.<\/p><p>Na\u0161i \u010dlanovi se ponose pridr\u017eavanjem strogo definisanog eti\u010dkog kodeksa, uskla\u0111enog s me\u0111unarodnom praksom, \u010dime osiguravamo po\u0161tovanje najvi\u0161ih standarda u na\u0161em sektoru.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d20366 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"0d20366\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58e58e4 elementor-mobile-align-center elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"58e58e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/amca.ba\/o-nama\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u010clanice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6621a3 elementor-mobile-align-center elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"b6621a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/amca.ba\/cesto-postavljana-pitanja-faq\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u010cesto postavljana pitanja<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a999b05 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1a999b05\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a3d574 elementor-widget elementor-widget-image\" data-id=\"12a3d574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor-naslovna.jpg\" class=\"attachment-large size-large wp-image-762\" alt=\"\" srcset=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor-naslovna.jpg 1024w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor-naslovna-300x300.jpg 300w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor-naslovna-150x150.jpg 150w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor-naslovna-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-704f047 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"704f047\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1ad133 elementor-widget__width-initial elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"d1ad133\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;marker&quot;:&quot;underline&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">\u010cLANICE<\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9841827 eael-infobox-content-align--center elementor-widget elementor-widget-eael-info-box\" data-id=\"9841827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-infobox icon-on-top\">\n\t            <div class=\"infobox-content\">\n        <div><p>Udru\u017eenje kompanija za upravljanje imovinom i naplatu potra\u017eivanja osnovano je s ciljem promicanja eti\u010dnosti i transparentnosti u industriji naplate potra\u017eivanja. Na\u0161i \u010dlanovi su ugledne kompanije koje se bave ovim sektorom, uklju\u010duju\u0107i <strong>EOS MATRIX d.o.o.<\/strong> za poslovne usluge Sarajevo, <strong>B2Kapital d.o.o.<\/strong> Sarajevo, <strong>&#8220;McGrath &amp; Arthur&#8221; d.o.o.<\/strong> Sarajevo i <strong>ODM Collections d.o.o.<\/strong> Sarajevo. Sve kompanije \u010dlanice pridr\u017eavaju se visokih standarda eti\u010dkog poslovanja.<\/p><\/div>        <\/div>\n            <\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a141f54 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"a141f54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;3&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/EOS_WM_RGB_red-300x172.jpg\" alt=\"EOS_WM_RGB_red\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/b2logo-300x82.png\" alt=\"b2logo\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/ODM-LOGO-SAJT.png\" alt=\"ODM-LOGO-SAJT\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/mcga-logo-new-238x300.jpg\" alt=\"mcga-logo-new\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8f2bbf4 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"8f2bbf4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bd770ef\" data-id=\"5bd770ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1485c20 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1485c20\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3612a000\" data-id=\"3612a000\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e046a88 elementor-widget elementor-widget-heading\" data-id=\"6e046a88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kako rade kompanije za naplatu potra\u017eivanja?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3a6fcf98 elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3a6fcf98\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-238ac375\" data-id=\"238ac375\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b9b82b3 elementor-widget elementor-widget-text-editor\" data-id=\"6b9b82b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Bave se djelatno\u0161\u0107u otkupa potra\u017eivanja u skladu sa svim zakonima i propisima na nivou BiH, te na osnovu Zakona o obligacionim odnosima, preuzimaju dug;<\/li><li>Nastoje stupiti u kontakt s du\u017enikom kako bi dogovorile model rje\u0161avanja dugovanja \u2013 \u0161to postupak kra\u0107e traje, to je jeftiniji za du\u017enika;<\/li><li>U stalnoj komunikaciji s du\u017enikom, i u slu\u010daju promjene mogu\u0107nosti, iznalaze modele za otplatu duga;<\/li><li>Ne pove\u0107avaju iznos duga prilikom preuzimanja \u2013 du\u017eniku se tro\u0161ak pove\u0107ava zbog zakonskih zateznih kamata i zakonski propisanih tro\u0161kova postupaka<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-109ad707 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"109ad707\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b3332e2\" data-id=\"b3332e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f460690 elementor-widget elementor-widget-image\" data-id=\"f460690\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor2-300x300.jpg\" class=\"attachment-medium size-medium wp-image-1346\" alt=\"\" srcset=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor2-300x300.jpg 300w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor2-150x150.jpg 150w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor2-768x768.jpg 768w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor2.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4200a03\" data-id=\"4200a03\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13b457f0 elementor-widget elementor-widget-heading\" data-id=\"13b457f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Djelatnosti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-561c0d9f elementor-widget elementor-widget-text-editor\" data-id=\"561c0d9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Na\u0161e \u010dlanice se bave otkupom potra\u017eivanja i servisiranjem naplate u skladu sa svim zakonima i propisima na nivou Bosne i Hercegovine. Na temelju Zakona o obligacionim odnosima, preuzimaju dug od povjerioca i nastoje stupiti u kontakt s du\u017enicima kako bi dogovorile modele rje\u0161avanja dugovanja. U stalnoj komunikaciji s du\u017enicima, na\u0161i \u010dlanovi iznalaze modele za otplatu duga, uvijek po\u0161tuju\u0107i zakonske odredbe o kamatama i tro\u0161kovima postupaka. Servis potra\u017eivanja poma\u017ee finansijskoj disciplini korisnicima finansijskih usluga, smanjenjem portfolija lo\u0161ih potra\u017eivanja, kao i u\u0161tedi resursa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5d3475 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d5d3475\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0a808fb\" data-id=\"0a808fb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cb7082 elementor-widget elementor-widget-heading\" data-id=\"3cb7082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regulativa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-684230a elementor-widget elementor-widget-text-editor\" data-id=\"684230a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Iako industrija naplate potra\u017eivanja ve\u0107 podlije\u017ee nizu zakona i podzakonskih akata, mi se zala\u017eemo za dodatnu regulaciju kako bismo osigurali potpunu za\u0161titu prava du\u017enika. Na\u0161a svakodnevna aktivnost uklju\u010duje sudjelovanje u procesima javne rasprave i promicanje pozitivne regulative koja \u0107e osigurati eti\u010dno postupanje svih kompanija koje se bave naplatom potra\u017eivanja.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e835b96\" data-id=\"e835b96\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94f827e elementor-widget elementor-widget-image\" data-id=\"94f827e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/shake1-300x300.jpg\" class=\"attachment-medium size-medium wp-image-1344\" alt=\"\" srcset=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/shake1-300x300.jpg 300w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/shake1-150x150.jpg 150w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/shake1-768x768.jpg 768w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/shake1.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69e48a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"69e48a6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5d95172\" data-id=\"5d95172\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82919db elementor-widget elementor-widget-image\" data-id=\"82919db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor1-300x300.jpg\" class=\"attachment-medium size-medium wp-image-1343\" alt=\"\" srcset=\"https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor1-300x300.jpg 300w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor1-150x150.jpg 150w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor1-768x768.jpg 768w, https:\/\/amca.ba\/wp-content\/uploads\/2023\/11\/debtor1.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-83ac638\" data-id=\"83ac638\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e861f9c elementor-widget elementor-widget-heading\" data-id=\"e861f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eti\u010dnost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-835a811 elementor-widget elementor-widget-text-editor\" data-id=\"835a811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eti\u010dnost je sr\u017e na\u0161eg rada. Na\u0161 eti\u010dki kodeks jasno definira pravila pona\u0161anja i eti\u010dka na\u010dela na temelju kojih postupaju na\u0161i \u010dlanovi. To uklju\u010duje po\u0161tovanje prava du\u017enika, transparentnost u komunikaciji te odgovorno postupanje. Za nas je va\u017eno da du\u017enici budu tretirani s po\u0161tovanjem i da se postupci naplate provode u skladu s najvi\u0161im eti\u010dkim standardima.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-afb292b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"afb292b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e35caa9 elementor-widget__width-initial elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"e35caa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;marker&quot;:&quot;underline&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">\u010cesto postavljana pitanja (FAQ)<\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce36a6 elementor-widget elementor-widget-text-editor\" data-id=\"0ce36a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Imate li pitanja o na\u0161em radu ili industriji naplate potra\u017eivanja? Pogledajte na\u0161u sekciju \u010cesto postavljana pitanja gdje \u0107ete prona\u0107i odgovore na naj\u010de\u0161\u0107e postavljana pitanja i nedoumice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0b76f2 ha-has-bg-overlay elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"d0b76f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-d0b76f2\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"d0b76f2\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"to-rade-kompanije-za-naplatu-potraivanja\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2181\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u0160to rade kompanije za naplatu potra\u017eivanja?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2181\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"to-rade-kompanije-za-naplatu-potraivanja\"><p><strong>naplata potra\u017eivanja u ime klijenta \u2013\u00a0<\/strong>kompanije naknadu za svoj rad napla\u0107uju prema uspje\u0161nosti, odnosno isklju\u010divo ako je dug napla\u0107en. Pritom se du\u017enicima zbog samog anga\u017emana kompanije ne pove\u0107ava iznos glavnice.<\/p><p><strong>otkup potra\u017eivanja \u2013\u00a0<\/strong>kompanije naknadu za svoj rad ostvaruju kroz razliku izme\u0111u otkupne cijene i napla\u0107enog dijela duga, kao i svih tro\u0161kova naplate nastalih u procesu, poput tro\u0161kova uposlenika, advokata, notara, dr\u017eavnih sudskih taksi, poreza, i drugo. Prilikom naplate duga, du\u017eniku se nastoji maksimalno iza\u0107i u susret, nude mu se prilago\u0111eni modeli pla\u0107anja, pri \u010demu se analizira njegova finansijska situacija. Pritom se uzima u obzir je li du\u017enik u radnom odnosu, odnosno je li u mogu\u0107nosti platiti dugovanje u predlo\u017eenom roku.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"to-se-dogaa-kad-kompanija-otkupi-dug\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2182\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u0160to se doga\u0111a kad kompanija otkupi dug?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2182\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"to-se-dogaa-kad-kompanija-otkupi-dug\"><p>Nakon \u0161to otkupi dug, kompanija uvijek nastoji telefonski kontaktirati du\u017enika s ciljem dogovora oko na\u010dina otplate koji odgovara njegovim realnim finansijskim mogu\u0107nostima. Komunikacija je temelj i po\u010detak za postizanje dogovora te uspje\u0161no rje\u0161avanje problema. U razgovoru s du\u017enikom pronalazimo najbolje rje\u0161enje i omogu\u0107ujemo otplatu duga u za njega razumnom roku, ne stvaraju\u0107i mu dodatne tro\u0161kove, te izbjegavaju\u0107i pokretanje izvr\u0161nog postupka<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"poveavaju-li-se-trokovi-ako-kompanija-preuzme-dug-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2183\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Pove\u0107avaju li se tro\u0161kovi ako kompanija preuzme dug? <\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2183\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"poveavaju-li-se-trokovi-ako-kompanija-preuzme-dug-\"><p>Otkup duga od strane kompnije za naplatu potra\u017eivanja nema utjecaja na visinu iznosa. Dug se, uslijed nepla\u0107anja, pove\u0107ava zbog zakonskih zateznih kamata te, primjerice, tro\u0161kova izvr\u0161nog postupka. Cilj svakog \u010dlana Udru\u017eenja je rije\u0161iti nastalo dugovanje bez pokretanja izvr\u0161nog postupka, \u0161to zna\u010di i manje tro\u0161kove za du\u017enika.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"poveavaju-li-se-trokovi-ako-kompanija-preuzme-dug-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2184\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Pove\u0107avaju li se tro\u0161kovi ako kompanija preuzme dug? <\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2184\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"poveavaju-li-se-trokovi-ako-kompanija-preuzme-dug-\"><p>Otkup duga od strane kompnije za naplatu potra\u017eivanja nema utjecaja na visinu iznosa. Dug se, uslijed nepla\u0107anja, pove\u0107ava zbog zakonskih zateznih kamata te, primjerice, tro\u0161kova izvr\u0161nog postupka. Cilj svakog \u010dlana Udru\u017eenja je rije\u0161iti nastalo dugovanje bez pokretanja izvr\u0161nog postupka, \u0161to zna\u010di i manje tro\u0161kove za du\u017enika.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-to-ako-dunik-ne-radi-i-nema-dovoljno-novca-za-platiti-dugovanje\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-2185\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\"> \u0160to ako du\u017enik ne radi i nema dovoljno novca za platiti dugovanje?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2185\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"-to-ako-dunik-ne-radi-i-nema-dovoljno-novca-za-platiti-dugovanje\"><p>Svjesni smo da je ponekad te\u0161ko u kratkom roku platiti cijeli iznos te nastojimo du\u017eniku smaksimalno iza\u0107i u susret, nudimo mu prilago\u0111ene modele pla\u0107anja te sagledavamo finansijsku situaciju u kojoj se nalazi. Pritom uzimamo u obzir je li du\u017enik u radnom odnosu, odnosno je li u mogu\u0107nosti platiti dugovanje u odre\u0111enom roku. Ako du\u017enik u me\u0111uvremenu ostane bez posla, klju\u010dno je da se javi kompaniji koja je preuzela njegov dug kako bi se prilagodila dinamika daljnje otplate.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"je-li-legalno-prodati-dugovanje-bez-saglasnosti-dunika-i-ko-ga-mora-o-tome-obavijestiti\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-2186\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Je li legalno prodati dugovanje bez saglasnosti du\u017enika i ko ga mora o tome obavijestiti?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2186\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"je-li-legalno-prodati-dugovanje-bez-saglasnosti-dunika-i-ko-ga-mora-o-tome-obavijestiti\"><p>Za prenos potra\u017eivanja nije potrebna saglasnost du\u017enika budu\u0107i da se taj proces odvija u skladu sa Zakonom o obligacionim odnosima. Prema tom zakonu, povjerilac je du\u017ean obavijestiti du\u017enika kako je do\u0161lo do promjene povjerioca, odnosno da je kompanija preuzela naplatu. Praksa je kompanija da dodatno obavijeste du\u017enika o prenosu potra\u017eivanja, iako to nisu du\u017ene \u010diniti. Na taj na\u010din \u017eelimo biti sigurni da je du\u017enik dobio informaciju o prenosu potra\u017eivanja s povjerioca na tre\u0107u osobu, uz sva prava i obaveze.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-773d6f3 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"773d6f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-580f530 elementor-widget__width-initial elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"580f530\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;marker&quot;:&quot;underline&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">Kontakt<\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec77430 elementor-widget elementor-widget-text-editor\" data-id=\"ec77430\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u017delite li nas kontaktirati ili saznati vi\u0161e o na\u0161em Udru\u017eenju? Molimo koristite formular kako biste nas kontaktirali, ili se obratite na\u0161em predsjedniku ili kontakt osobi putem ovog formulara.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-189924d ekit_wpForms_container-form-button-custom elementor-widget elementor-widget-elementskit-wp-forms\" data-id=\"189924d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-wp-forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con ekit_wpForms_container\"><style id=\"wpforms-css-vars-1412\">\n\t\t\t\t#wpforms-1412 {\n\t\t\t\t\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-1412\"><form id=\"wpforms-form-1412\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1412\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/\" data-token=\"6074cf4028512aa34dd118e3af265d51\" 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value=\"https:\/\/amca.ba\/\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><input type=\"hidden\" name=\"page_id\" value=\"7\"><input type=\"hidden\" name=\"wpforms[post_id]\" value=\"7\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1412\" class=\"wpforms-submit\" data-alt-text=\"\u0160aljem...\" data-submit-text=\"Po\u0161alji\" aria-live=\"assertive\" value=\"wpforms-submit\">Po\u0161alji<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/amca.ba\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Udru\u017eenje kompanija za upravljanje imovinom i naplatu potra\u017eivanja AMCA Udru\u017eenje je osnovano 2022. godine kao neprofitna organizacija, a cilj je aktivno sudjelovanje u javnoj raspravi kako bismo podigli svijest o va\u017enosti pozitivne regulative i eti\u010dnosti u industriji naplate potra\u017eivanja. Na\u0161i \u010dlanovi se ponose pridr\u017eavanjem strogo definisanog eti\u010dkog kodeksa, uskla\u0111enog s me\u0111unarodnom praksom, \u010dime osiguravamo po\u0161tovanje najvi\u0161ih standarda u na\u0161em sektoru. \u00a0 \u010clanice \u010cesto postavljana pitanja \u010cLANICE Udru\u017eenje kompanija za upravljanje imovinom i naplatu potra\u017eivanja osnovano je s ciljem promicanja eti\u010dnosti i transparentnosti u industriji naplate potra\u017eivanja. Na\u0161i \u010dlanovi su ugledne kompanije koje se bave ovim sektorom, uklju\u010duju\u0107i EOS MATRIX d.o.o. za poslovne usluge Sarajevo, B2Kapital d.o.o. Sarajevo, &#8220;McGrath &amp; Arthur&#8221; d.o.o. Sarajevo i ODM Collections d.o.o. Sarajevo. Sve kompanije \u010dlanice pridr\u017eavaju se visokih standarda eti\u010dkog poslovanja. Kako rade kompanije za naplatu potra\u017eivanja? Bave se djelatno\u0161\u0107u otkupa potra\u017eivanja u skladu sa svim zakonima i propisima na nivou BiH, te na osnovu Zakona o obligacionim odnosima, preuzimaju dug; Nastoje stupiti u kontakt s du\u017enikom kako bi dogovorile model rje\u0161avanja dugovanja \u2013 \u0161to postupak kra\u0107e traje, to je jeftiniji za du\u017enika; U stalnoj komunikaciji s du\u017enikom, i u slu\u010daju promjene mogu\u0107nosti, iznalaze modele za otplatu duga; Ne pove\u0107avaju iznos duga prilikom preuzimanja \u2013 du\u017eniku se tro\u0161ak pove\u0107ava zbog zakonskih zateznih kamata i zakonski propisanih tro\u0161kova postupaka Djelatnosti Na\u0161e \u010dlanice se bave otkupom potra\u017eivanja i servisiranjem naplate u skladu sa svim zakonima i propisima na nivou Bosne i Hercegovine. Na temelju Zakona o obligacionim odnosima, preuzimaju dug od povjerioca i nastoje stupiti u kontakt s du\u017enicima kako bi dogovorile modele rje\u0161avanja dugovanja. U stalnoj komunikaciji s du\u017enicima, na\u0161i \u010dlanovi iznalaze modele za otplatu duga, uvijek po\u0161tuju\u0107i zakonske odredbe o kamatama i tro\u0161kovima postupaka. Servis potra\u017eivanja poma\u017ee finansijskoj disciplini korisnicima finansijskih usluga, smanjenjem portfolija lo\u0161ih potra\u017eivanja, kao i u\u0161tedi resursa. Regulativa Iako industrija naplate potra\u017eivanja ve\u0107 podlije\u017ee nizu zakona i podzakonskih akata, mi se zala\u017eemo za dodatnu regulaciju kako bismo osigurali potpunu za\u0161titu prava du\u017enika. Na\u0161a svakodnevna aktivnost uklju\u010duje sudjelovanje u procesima javne rasprave i promicanje pozitivne regulative koja \u0107e osigurati eti\u010dno postupanje svih kompanija koje se bave naplatom potra\u017eivanja. Eti\u010dnost Eti\u010dnost je sr\u017e na\u0161eg rada. Na\u0161 eti\u010dki kodeks jasno definira pravila pona\u0161anja i eti\u010dka na\u010dela na temelju kojih postupaju na\u0161i \u010dlanovi. To uklju\u010duje po\u0161tovanje prava du\u017enika, transparentnost u komunikaciji te odgovorno postupanje. Za nas je va\u017eno da du\u017enici budu tretirani s po\u0161tovanjem i da se postupci naplate provode u skladu s najvi\u0161im eti\u010dkim standardima. \u010cesto postavljana pitanja (FAQ) Imate li pitanja o na\u0161em radu ili industriji naplate potra\u017eivanja? Pogledajte na\u0161u sekciju \u010cesto postavljana pitanja gdje \u0107ete prona\u0107i odgovore na naj\u010de\u0161\u0107e postavljana pitanja i nedoumice. \u0160to rade kompanije za naplatu potra\u017eivanja? naplata potra\u017eivanja u ime klijenta \u2013\u00a0kompanije naknadu za svoj rad napla\u0107uju prema uspje\u0161nosti, odnosno isklju\u010divo ako je dug napla\u0107en. Pritom se du\u017enicima zbog samog anga\u017emana kompanije ne pove\u0107ava iznos glavnice. otkup potra\u017eivanja \u2013\u00a0kompanije naknadu za svoj rad ostvaruju kroz razliku izme\u0111u otkupne cijene i napla\u0107enog dijela duga, kao i svih tro\u0161kova naplate nastalih u procesu, poput tro\u0161kova uposlenika, advokata, notara, dr\u017eavnih sudskih taksi, poreza, i drugo. Prilikom naplate duga, du\u017eniku se nastoji maksimalno iza\u0107i u susret, nude mu se prilago\u0111eni modeli pla\u0107anja, pri \u010demu se analizira njegova finansijska situacija. Pritom se uzima u obzir je li du\u017enik u radnom odnosu, odnosno je li u mogu\u0107nosti platiti dugovanje u predlo\u017eenom roku. \u0160to se doga\u0111a kad kompanija otkupi dug? Nakon \u0161to otkupi dug, kompanija uvijek nastoji telefonski kontaktirati du\u017enika s ciljem dogovora oko na\u010dina otplate koji odgovara njegovim realnim finansijskim mogu\u0107nostima. Komunikacija je temelj i po\u010detak za postizanje dogovora te uspje\u0161no rje\u0161avanje problema. U razgovoru s du\u017enikom pronalazimo najbolje rje\u0161enje i omogu\u0107ujemo otplatu duga u za njega razumnom roku, ne stvaraju\u0107i mu dodatne tro\u0161kove, te izbjegavaju\u0107i pokretanje izvr\u0161nog postupka Pove\u0107avaju li se tro\u0161kovi ako kompanija preuzme dug? Otkup duga od strane kompnije za naplatu potra\u017eivanja nema utjecaja na visinu iznosa. Dug se, uslijed nepla\u0107anja, pove\u0107ava zbog zakonskih zateznih kamata te, primjerice, tro\u0161kova izvr\u0161nog postupka. Cilj svakog \u010dlana Udru\u017eenja je rije\u0161iti nastalo dugovanje bez pokretanja izvr\u0161nog postupka, \u0161to zna\u010di i manje tro\u0161kove za du\u017enika. Pove\u0107avaju li se tro\u0161kovi ako kompanija preuzme dug? Otkup duga od strane kompnije za naplatu potra\u017eivanja nema utjecaja na visinu iznosa. Dug se, uslijed nepla\u0107anja, pove\u0107ava zbog zakonskih zateznih kamata te, primjerice, tro\u0161kova izvr\u0161nog postupka. Cilj svakog \u010dlana Udru\u017eenja je rije\u0161iti nastalo dugovanje bez pokretanja izvr\u0161nog postupka, \u0161to zna\u010di i manje tro\u0161kove za du\u017enika. \u0160to ako du\u017enik ne radi i nema dovoljno novca za platiti dugovanje? Svjesni smo da je ponekad te\u0161ko u kratkom roku platiti cijeli iznos te nastojimo du\u017eniku smaksimalno iza\u0107i u susret, nudimo mu prilago\u0111ene modele pla\u0107anja te sagledavamo finansijsku situaciju u kojoj se nalazi. Pritom uzimamo u obzir je li du\u017enik u radnom odnosu, odnosno je li u mogu\u0107nosti platiti dugovanje u odre\u0111enom roku. Ako du\u017enik u me\u0111uvremenu ostane bez posla, klju\u010dno je da se javi kompaniji koja je preuzela njegov dug kako bi se prilagodila dinamika daljnje otplate. Je li legalno prodati dugovanje bez saglasnosti du\u017enika i ko ga mora o tome obavijestiti? Za prenos potra\u017eivanja nije potrebna saglasnost du\u017enika budu\u0107i da se taj proces odvija u skladu sa Zakonom o obligacionim odnosima. Prema tom zakonu, povjerilac je du\u017ean obavijestiti du\u017enika kako je do\u0161lo do promjene povjerioca, odnosno da je kompanija preuzela naplatu. Praksa je kompanija da dodatno obavijeste du\u017enika o prenosu potra\u017eivanja, iako to nisu du\u017ene \u010diniti. Na taj na\u010din \u017eelimo biti sigurni da je du\u017enik dobio informaciju o prenosu potra\u017eivanja s povjerioca na tre\u0107u osobu, uz sva prava i obaveze. Kontakt \u017delite li nas kontaktirati ili saznati vi\u0161e o na\u0161em Udru\u017eenju? Molimo koristite formular kako biste nas kontaktirali, ili se obratite na\u0161em predsjedniku ili kontakt osobi putem ovog formulara. 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