{"id":10534,"date":"2025-01-21T08:44:00","date_gmt":"2025-01-21T08:44:00","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=10534"},"modified":"2025-03-17T11:02:19","modified_gmt":"2025-03-17T11:02:19","slug":"how-can-we-help-you-in-the-consumer-bankruptcy-process","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-can-we-help-you-in-the-consumer-bankruptcy-process\/","title":{"rendered":"How Can We Help You with the Consumer Bankruptcy Process?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In life, there can be difficult financial situations in which debts exceed the ability to repay them. Illness, loss of job, unforeseen expenses - these are just some of the reasons that can lead to insolvency. If you are in a similar situation and are considering declaring personal bankruptcy, we are here to help. Below we explain how we can support you in this process and what benefits using our services can bring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contents:<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/a><\/li><li><a href=\"#aioseo-bezplatna-konsultacja-i-analiza-twojej-sytuacji\">Free Consultation and Analysis of Your Situation<\/a><\/li><li><a href=\"#aioseo-przygotowanie-i-zlozenie-wniosku-upadlosciowego\">Preparation and Filing of a Bankruptcy Application<\/a><\/li><li><a href=\"#aioseo-reprezentacja-w-postepowaniu-sadowym\">Representation in Court Proceedings<\/a><\/li><li><a href=\"#aioseo-plan-splaty-lub-umorzenie-zobowiazan\">Repayment Plan or Debt Cancellation<\/a><\/li><li><a href=\"#aioseo-odbudowa-twojej-sytuacji-finansowej\">Rebuilding Your Financial Situation<\/a><\/li><li><a href=\"#aioseo-dlaczego-warto-skorzystac-z-naszej-pomocy\">Why is it worth using our help?<\/a><\/li><li><a href=\"#aioseo-zacznij-dzialac-dzis\">Get Started Today<\/a><\/li><\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/01\/Jak-Mozemy-Tobie-Pomoc-w-Procesie-Upadlosci-Konsum.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-bezplatna-konsultacja-i-analiza-twojej-sytuacji\">Free Consultation and <a href=\"https:\/\/pmrsa.pl\/en\/crisis-in-the-company\/\" title=\"\">Analysis of your situation<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The first step we offer is a detailed <a>analysis of your financial situation.<\/a>&nbsp;We understand that the decision to declare bankruptcy is not easy, which is why we offer a free meeting during which we will discuss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your debts and liabilities<\/strong> \u2013 we will take a close look at your arrears to understand their structure, size and legal basis.<\/li>\n\n\n\n<li><strong>Your income and assets<\/strong> \u2013 we will check your financial situation and whether there are any possibilities to repay your liabilities in other ways.<\/li>\n\n\n\n<li><strong>Possibility of declaring bankruptcy<\/strong> \u2013 we will help you assess whether you meet the conditions for declaring personal bankruptcy and what options are available to you.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-przygotowanie-i-zlozenie-wniosku-upadlosciowego\">Preparation and Filing of a Bankruptcy Application<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/pmrsa.pl\/en\/how-we-can-help-you\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh11-1024x421.jpg\" alt=\"\" class=\"wp-image-7911\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh11-1024x421.jpg 1024w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh11-300x123.jpg 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh11-768x316.jpg 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh11.jpg 1337w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gathering the necessary documents<\/strong> \u2013 we will help you collect all the necessary certificates and documents required by the court.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><strong>Appropriate<\/strong><\/a><strong> preparation for bankruptcy <\/strong>\u2013 we will help you prepare properly for the consumer bankruptcy process. Before filing a bankruptcy application, you should take proper care of your rights and predict the consequences of declaring bankruptcy. Our team will advise you on how you can avoid or minimize the negative consequences of declaring bankruptcy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Preparation of a detailed application<\/strong> \u2013 we will prepare a complete and professional <a href=\"https:\/\/pmrsa.pl\/en\/how-to-declare-consumer-bankruptcy\/\" title=\"\">bankruptcy petition<\/a><a>i<\/a>, in which we will take into account your entire financial situation in order to comprehensively present the circumstances of your insolvency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Submitting an application to the court<\/strong> \u2013 we will ensure that the application is submitted to the appropriate court and in accordance with applicable regulations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><a id=\"_msocom_2\"><\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-reprezentacja-w-postepowaniu-sadowym\"><strong>Representation in Court Proceedings<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">During the bankruptcy process, cooperation with the court and often with the trustee is necessary. We offer full representation in the proceedings, which includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/pmrsa.pl\/en\/comprehensive-bankruptcy-advice-2\/\" title=\"\">Support in contacts with the court<\/a><\/strong>&nbsp;\u2013 we will take care of all formalities, representing you in court and ensuring that your rights are respected at every stage.<\/li>\n\n\n\n<li><strong>Negotiations with the trustee<\/strong> \u2013 if a trustee is appointed, we will work with them on your behalf to ensure that the process runs smoothly and with respect for your personal circumstances.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-plan-splaty-lub-umorzenie-zobowiazan\"><strong>Repayment Plan or Debt Cancellation<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a>Establish a debt repayment plan that is tailored to your financial capabilities.<\/a><\/li>\n\n\n\n<li>Cancel some of your debts if your situation prevents you from repaying them all.&nbsp;<\/li>\n\n\n\n<li>Discontinue bankruptcy proceedings without setting a repayment plan<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As a rule, the court sets a repayment plan for a period of up to 36 months. In exceptional situations, the court may set a repayment plan for a period of 84 months. This happens in cases where the debtor consciously deepened their debt or committed so-called &quot;gross negligence&quot;. In order to avoid such a long repayment period, it is extremely important to properly prepare for consumer bankruptcy and to properly and completely prepare the consumer application.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is also worth noting that if the financial situation of the Bankrupt indicates that he or she is unable to repay the debts, the Court may refrain from designating a repayment plan. This means that all of the Bankrupt&#039;s debts - apart from the exceptions indicated in the Act - will be written off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our goal is to help you obtain the most favorable terms possible, as well as support during the implementation of the repayment plan. Additionally, we offer assistance in current matters, such as contact with creditors, so you can avoid the stress associated with phone calls or letters from debt collection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-odbudowa-twojej-sytuacji-finansowej\"><strong>Rebuilding Your Financial Situation<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh9-1024x421.jpg\" alt=\"\" class=\"wp-image-7909\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh9-1024x421.jpg 1024w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh9-300x123.jpg 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh9-768x316.jpg 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh9.jpg 1337w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Once the bankruptcy process is complete, we will help you take the first steps to rebuild your financial situation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Budgeting and Saving Tips<\/strong> \u2013 we offer advice on how to effectively manage finances to avoid similar difficulties in the future.<\/li>\n\n\n\n<li><strong>Support in rebuilding your credit history<\/strong> \u2013 we will advise you on how to gradually improve your credit history so that you can obtain a loan or credit in the future.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-dlaczego-warto-skorzystac-z-naszej-pomocy\"><strong>Why is it worth using our help?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The consumer bankruptcy process requires specialist knowledge and the ability to manage formalities and negotiations with creditors. Using our help allows you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Save time<\/strong> \u2013 thanks to our experience and knowledge of the regulations, we speed up the entire process.<\/li>\n\n\n\n<li><strong>Reduce stress<\/strong> \u2013 we take over the responsibilities related to court proceedings and contacts with creditors.<\/li>\n\n\n\n<li><strong>Increase the chance of a positive ending<\/strong> \u2013 our experience allows us to avoid procedural errors and maximize the chances of a positive court decision.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-zacznij-dzialac-dzis\"><strong>Get Started Today<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you are considering personal bankruptcy, don&#039;t wait to make the decision. The sooner you start, the sooner you can regain control of your life and finances. Contact us for a free consultation - we are here to support you every step of the way.<\/p>","protected":false},"excerpt":{"rendered":"<p>W \u017cyciu mog\u0105 zdarzy\u0107 si\u0119 trudne sytuacje finansowe, w kt\u00f3rych d\u0142ugi przerastaj\u0105 mo\u017cliwo\u015bci ich sp\u0142aty. Choroba, utrata pracy, nieprzewidziane wydatki [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_ppma_block_editor_authors":""},"categories":[19],"tags":[],"ppma_author":[34],"class_list":["post-10534","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":34,"user_id":15,"is_guest":0,"slug":"d-anisimowiczpmr-restructuring-pl","display_name":"Daniel Anisimowicz","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg"},"author_category":"","first_name":"Daniel","last_name":"Anisimowicz","user_url":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/10534","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=10534"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/10534\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=10534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=10534"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=10534"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=10534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}