{"id":11062,"date":"2025-02-04T08:29:00","date_gmt":"2025-02-04T08:29:00","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=11062"},"modified":"2025-03-21T13:57:32","modified_gmt":"2025-03-21T13:57:32","slug":"consumer-bankruptcy-consequences","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-consequences\/","title":{"rendered":"Consumer bankruptcy \u2013 consequences"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Consumer bankruptcy is one of the ways to settle the debtor&#039;s financial obligations and sort out their financial situation. However, it is worth remembering that this procedure is associated with consequences that concern both the debtor and their creditors. Therefore, a person considering using this solution should carefully familiarize themselves with all the effects <a href=\"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy\/\" title=\"\">consumer bankruptcy<\/a> and be aware of any consequences resulting from such conduct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contents:<\/strong><\/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-umorzenie-dlugow\">Debt cancellation<\/a><\/li><li><a href=\"#aioseo-majatek-upadlego\">The Bankrupt&#039;s Assets<\/a><\/li><li><a href=\"#aioseo-a-kontrola-dzialan-syndyka-w-zakresie-likwidacji-masy-upadlosci\">a) Control of the trustee&#039;s actions in the scope of liquidation of the bankruptcy estate<\/a><\/li><li><a href=\"#aioseo-b\">b) Authorization of the bankrupt and actions performed without authorization by the trustee<\/a><\/li><li><a href=\"#aioseo-c\">c) Carrying out legal acts<\/a><\/li><li><a href=\"#aioseo-d\">d) Limitation of financial freedom<\/a><\/li><li><a href=\"#aioseo-e\">e) Joint property of spouses and the effectiveness of establishing the separation of property<\/a><\/li><li><a href=\"#aioseo-podsumowanie\">Summary<\/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\/02\/Upadlosc-konsumencka-\u2013-konsekwencje.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-umorzenie-dlugow\"><strong><a href=\"https:\/\/pmrsa.pl\/en\/how-can-i-get-rid-of-debts-3\/\" title=\"\">Debt cancellation<\/a><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">One of the first and most important consequences of declaring personal bankruptcy from the debtor&#039;s perspective is the partial or complete cancellation of the financial obligations of the person against whom the consumer bankruptcy proceedings were pending. After declaring bankruptcy, the court will completely cancel the debtor&#039;s obligations without establishing a creditor repayment plan if the personal situation of the debtor clearly indicates that he or she is permanently unable to make any repayments under the creditor repayment plan. This happens when the debtor is unable to perform any gainful employment, does not have assets that could be included in the bankruptcy estate, or has health problems that prevent him or her from repaying previously incurred liabilities. It should be noted that the transience of the inability to settle financial liabilities plays an important role here. In a situation where the Court determines that the debtor is able to repay creditors, it will establish a repayment plan that will be adapted to the financial situation and earning capacity of the debtor. However, the debtor must remember that not all liabilities are cancelled; a certain category of liabilities, even in the event of complete debt relief, will not be cancelled. The following are not subject to write-off:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>maintenance obligations,<\/li>\n\n\n\n<li>liabilities arising from annuities in respect of compensation for causing illness, incapacity for work, disability or death,<\/li>\n\n\n\n<li>the obligation to pay the fines imposed by the court, as well as to fulfil the obligation to repair the damage and compensate for the harm suffered,<\/li>\n\n\n\n<li>obligations to pay compensation or a monetary benefit ordered by the court as a penal measure or a measure related to placing the perpetrator on probation,<\/li>\n\n\n\n<li>obligations to redress damage resulting from a crime or petty offence confirmed by a final judgment and obligations which the bankrupt person has intentionally failed to disclose if the creditor did not participate in the proceedings.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This means that after conducting personal bankruptcy proceedings, the bankrupt will have to repay some debts in full.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-majatek-upadlego\"><strong>The Bankrupt&#039;s Assets<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh2-1024x421.jpg\" alt=\"\" class=\"wp-image-7902\" style=\"width:1872px;height:auto\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh2-1024x421.jpg 1024w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh2-300x123.jpg 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh2-768x316.jpg 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/bh2.jpg 1337w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another very important consequence of declaring personal bankruptcy for the debtor is the risk of losing their assets. This results from the fact that during bankruptcy proceedings, the aim is to satisfy the debtor&#039;s creditors to the greatest extent possible. During bankruptcy proceedings, the bankrupt&#039;s assets are liquidated, which is handled by the trustee. It should be remembered, however, that the trustee does not have the legitimacy to seize everyday items such as furniture, clothes or telephones. They are part of the basic items intended for everyday use, which remain free from enforcement and will not be part of the bankruptcy estate.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-a-kontrola-dzialan-syndyka-w-zakresie-likwidacji-masy-upadlosci\">and) <strong>Control of the trustee&#039;s actions in the scope of liquidation <a href=\"https:\/\/pmrsa.pl\/en\/what-is-bankruptcy-estate-2\/\" title=\"\">bankruptcy estate<\/a><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When issuing a decision to declare personal bankruptcy, the court appoints a trustee who enters the bankruptcy proceedings. Upon his appointment, the trustee takes over the bankrupt&#039;s assets, protects them from destruction and liquidates them during the proceedings. The trustee performs actions in his own name, but on the bankrupt&#039;s account. The trustee&#039;s actions are also subject to control. In the event of a breach of legal provisions that provide the trustee with specific powers, it is possible to file a complaint against his actions. This undoubtedly ensures the security of the bankrupt&#039;s interests throughout the proceedings.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-b\">b) <strong>Bankrupt&#039;s authorization and actions performed without authorization by the trustee<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Actions taken in the proceedings after the declaration of bankruptcy in order to liquidate the bankrupt&#039;s assets are intended to be effective, allowing for obtaining the funds necessary to satisfy creditors. It is worth emphasizing, however, that they are not intended to stigmatize the bankrupt. It may happen that the trustee authorizes the bankrupt to sell a specific asset. Importantly, however, in such a case the trustee determines the conditions and details of such sale, and may also withdraw the authorization granted to the bankrupt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmrsa.pl\/en\/contact\/\"><img decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja.jpg\" alt=\"\" class=\"wp-image-12238\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja.jpg 775w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-300x72.jpg 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-768x183.jpg 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-c\">c) <strong>Carrying out legal actions<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The declaration of consumer bankruptcy also has significant consequences for the performance of legal acts by the bankrupt. Apart from particularly justified cases, in which the consent of the bankruptcy court is required to perform a legal act, the bankrupt cannot perform legal acts concerning his property, which could impair his ability to execute the creditor repayment plan. Importantly, from the perspective of the bankrupt, this prohibition is not unlimited and it will be the court&#039;s responsibility to assess the validity of performing such an act in relation to the interests of the creditors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One of the obligations that the bankrupt must remember to fulfill is the annual submission of a report on the implementation of the creditor repayment plan for the previous calendar year. The bankrupt submits such a report to the court in which the bankruptcy was declared.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-d\">d) Limitation of financial freedom<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">During the proceedings before the trustee, due to the need to efficiently conduct the bankruptcy proceedings, part of the bankrupt&#039;s remuneration is transferred to the bank account of the bankruptcy estate. However, it should be remembered that this is done while maintaining the bankrupt&#039;s right to a decent life, because the bankruptcy estate only includes an amount exceeding the amount not subject to seizure, i.e. exceeding the minimum wage, in the case of a full-time employment relationship. In the case of a part-time employment contract, the amount transferred to the bankruptcy estate should be reduced proportionally to the working time.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-e\">e) <strong>The joint property of spouses and the effectiveness of establishing the separation of property<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Another important issue that should be taken into account in consumer bankruptcy is the impact of its announcement on the marital property relations of the bankrupt. According to the applicable regulations, on the day of the announcement of consumer bankruptcy of one of the spouses, the separation of property between the spouses occurs, and if they remained in joint property, the joint property of the spouses is included in the bankruptcy estate. In such a situation, the spouse of the bankrupt takes on the form and rights of one of the creditors of the bankruptcy estate. The trustee notifies him of the announcement of the bankrupt&#039;s bankruptcy and instructs him about the possibility of filing a claim. The spouse may claim in bankruptcy proceedings the amount due for the share in the joint property by reporting this claim to the trustee via the IT system supporting court proceedings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-how-long-does-the-procedure-take\/\"><img decoding=\"async\" width=\"827\" height=\"354\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png\" alt=\"\" class=\"wp-image-12235\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png 827w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-300x128.png 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-768x329.png 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-18x8.png 18w\" sizes=\"(max-width: 827px) 100vw, 827px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The debtor filing a bankruptcy petition must also be aware that even earlier establishment of the separation of property will not always protect the property of the other spouse. Establishment of the separation of property of a spouse based on a court decision within a year before the date of filing the bankruptcy petition is ineffective in relation to the bankruptcy estate, unless the lawsuit for the establishment of the separation of property was filed at least two years before the date of filing the bankruptcy petition. However, in the case of establishment of the separation of property of a spouse before a notary, such an agreement is effective in relation to the bankruptcy estate only if it was concluded at least two years before the date of filing the bankruptcy petition. This means that if the debtor files a bankruptcy petition before the expiry of the above periods, the entire property of the spouses will be part of the bankruptcy estate and subject to liquidation. It is worth noting here that the bankruptcy estate does not include items used exclusively by the spouse of the bankrupt to conduct business or professional activity, even if they were covered by the marital property community. &nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-podsumowanie\"><strong>Summary<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In conclusion, it should be stated that declaring consumer bankruptcy gives a real chance to return to everyday life without burdensome debts to creditors and to sort out one&#039;s financial situation. Without a doubt, this gives the bankrupt a great chance to start a new chapter in their life. However, it is important for the person filing the application to be fully aware of the consequences that are associated with such a procedure, because this is important for the correct going through the entire debt relief process of the bankrupt person.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why it is worth it in this situation<a href=\"https:\/\/pmrsa.pl\/en\/how-can-we-help-you-in-the-consumer-bankruptcy-process\/\" title=\"\"> use the help of specialists<\/a> in the scope of bankruptcy proceedings, so that the entire debt relief process runs smoothly, without additional complications, which will allow for professional preparation of the application for declaring consumer bankruptcy, as well as conducting the proceedings after its declaration and will streamline contact with creditors, which is extremely important for this process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Upad\u0142o\u015b\u0107 konsumencka stanowi jeden ze sposob\u00f3w uregulowania zobowi\u0105za\u0144 finansowych d\u0142u\u017cnika i uporz\u0105dkowania jego sytuacji finansowej. Warto jednak pami\u0119ta\u0107, \u017ce procedura ta wi\u0105\u017ce si\u0119 z konsekwencjami, kt\u00f3re dotycz\u0105 zar\u00f3wno samego d\u0142u\u017cnika, jak i jego wierzycieli. Dlatego te\u017c osoba rozwa\u017caj\u0105ca skorzystanie z tego rozwi\u0105zania, powinna dok\u0142adnie zapozna\u0107 si\u0119 z wszystkimi skutkami upad\u0142o\u015bci konsumenckiej i by\u0107 \u015bwiadoma wszelkich nast\u0119pstw wynikaj\u0105cych z takiego post\u0119powania. Spis tre\u015bci: Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Umorzenie d\u0142ug\u00f3w Jedn\u0105 z pierwszych i zarazem najwa\u017cniejszych z punktu widzenia d\u0142u\u017cnika konsekwencji og\u0142oszenia upad\u0142o\u015bci konsumenckiej jest cz\u0119\u015bciowe b\u0105d\u017a ca\u0142kowite umorzenie zobowi\u0105za\u0144 finansowych osoby, wobec kt\u00f3rej toczy\u0142o si\u0119 postepowanie o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. Po og\u0142oszeniu upad\u0142o\u015bci d\u0142u\u017cnika, s\u0105d w ca\u0142o\u015bci umorzy zobowi\u0105zania upad\u0142ego bez ustalenia planu sp\u0142aty wierzycieli, je\u015bli osobista sytuacja upad\u0142ego w oczywisty spos\u00f3b wskazuje, \u017ce jest on trwale niezdolny do dokonywania jakichkolwiek sp\u0142at w ramach planu sp\u0142aty wierzycieli. Dzieje si\u0119 tak, gdy upad\u0142y jest niezdolny do wykonywania jakiejkolwiek pracy zarobkowej, nie posiada maj\u0105tku, kt\u00f3ry m\u00f3g\u0142by wej\u015b\u0107 w sk\u0142ad masy upad\u0142o\u015bci, czy te\u017c ma problemy zdrowotne uniemo\u017cliwiaj\u0105ce mu sp\u0142at\u0119 zaci\u0105gni\u0119tych wcze\u015bniej zobowi\u0105za\u0144. Zaznaczy\u0107 nale\u017cy, \u017ce istotn\u0105 rol\u0119 odgrywa tutaj przemijalno\u015b\u0107 charakteru niezdolno\u015bci do regulowania zobowi\u0105za\u0144 finansowych. W sytuacji, gdy S\u0105d ustali, \u017ce upad\u0142y ma mo\u017cliwo\u015b\u0107 sp\u0142aty wierzycieli, ustali plan sp\u0142aty, kt\u00f3ry b\u0119dzie dostosowany do sytuacji finansowej i mo\u017cliwo\u015bci zarobkowych upad\u0142ego. Upad\u0142y musi jednak pami\u0119ta\u0107, \u017ce nie wszystkie zobowi\u0105zania ulegaj\u0105 umorzeniu, pewna kategoria zobowi\u0105za\u0144, nawet w przypadku ca\u0142kowitego odd\u0142u\u017cenia d\u0142u\u017cnika nie zostanie umorzona. Nie podlegaj\u0105 umorzeniu: Oznacza to, \u017ce po przeprowadzeniu post\u0119powania upad\u0142o\u015bci konsumenckiej niekt\u00f3re zad\u0142u\u017cenia upad\u0142y b\u0119dzie musia\u0142 sp\u0142aci\u0107 w ca\u0142o\u015bci. Maj\u0105tek upad\u0142ego Kolejn\u0105 r\u00f3wnie\u017c bardzo istotn\u0105 dla d\u0142u\u017cnika konsekwencj\u0105 og\u0142oszenia upad\u0142o\u015bci konsumenckiej jest ryzyko utraty jego maj\u0105tku. Wynika to z faktu, \u017ce w toku post\u0119powania upad\u0142o\u015bciowego d\u0105\u017cy si\u0119 do zaspokojenia w jak najwi\u0119kszym stopniu wierzycieli d\u0142u\u017cnika. W trakcie post\u0119powania upad\u0142o\u015bciowego likwidowany jest maj\u0105tek upad\u0142ego, czym zajmuje si\u0119 syndyk. Nale\u017cy pami\u0119ta\u0107 jednak, \u017ce syndyk nie posiada legitymacji do zaj\u0119cia rzeczy codziennego u\u017cytku takich jak meble, ubrania czy telefony. Wchodz\u0105 one bowiem w sk\u0142ad rzeczy podstawowych, przeznaczonych do codziennego u\u017cytku, kt\u00f3re pozostaj\u0105 wolne od egzekucji i nie b\u0119d\u0105 wchodzi\u0142y w sk\u0142ad masy upad\u0142o\u015bci. a) Kontrola dzia\u0142a\u0144 syndyka w zakresie likwidacji masy upad\u0142o\u015bci S\u0105d wydaj\u0105c postanowienie o og\u0142oszeniu upad\u0142o\u015bci konsumenckiej, powo\u0142uje syndyka, kt\u00f3ry wst\u0119puje do post\u0119powania upad\u0142o\u015bciowego. Syndyk, z chwil\u0105 jego powo\u0142ania obejmuje maj\u0105tek upad\u0142ego, zabezpiecza go przed zniszczeniem oraz dokonuje jego likwidacji w toku post\u0119powania. Syndyk dokonuje czynno\u015bci w imieniu w\u0142asnym, jednak\u017ce na rachunek upad\u0142ego. Dzia\u0142ania syndyka r\u00f3wnie\u017c podlegaj\u0105 kontroli. W przypadku naruszenia przepis\u00f3w prawa, kt\u00f3re wyposa\u017caj\u0105 syndyka w konkretne uprawnienia istnieje mo\u017cliwo\u015b\u0107 wniesienia skargi na jego dzia\u0142ania. Zapewnia to niew\u0105tpliwie bezpiecze\u0144stwo interesu upad\u0142ego na ca\u0142ym etapie post\u0119powania. b) Upowa\u017cnienie upad\u0142ego i czynno\u015bci dokonane bez umocowania przez syndyka Czynno\u015bci podejmowane w post\u0119powaniu po og\u0142oszeniu upad\u0142o\u015bci w celu likwidacji maj\u0105tku upad\u0142ego maj\u0105 na celu bycie skutecznymi, pozwalaj\u0105cymi na uzyskanie \u015brodk\u00f3w niezb\u0119dnych do zaspokojenia wierzycieli. Warto jednak podkre\u015bli\u0107, \u017ce nie maj\u0105 one na celu pi\u0119tnowania osoby upad\u0142ej. Mo\u017ce zdarzy\u0107 si\u0119, \u017ce syndyk do sprzeda\u017cy okre\u015blonego sk\u0142adnika maj\u0105tku upowa\u017cni samego upad\u0142ego. Co jednak wa\u017cne syndyk w takim przypadku ustala warunki i szczeg\u00f3\u0142y takiej sprzeda\u017cy, a tak\u017ce mo\u017ce cofn\u0105\u0107 udzielone upowa\u017cnienie osobie upad\u0142ej. c) Dokonywanie czynno\u015bci prawnych Og\u0142oszenie upad\u0142o\u015bci konsumenckiej wywiera tak\u017ce istotne konsekwencje w zakresie dokonywania czynno\u015bci prawnych przez upad\u0142ego. Poza szczeg\u00f3lnie uzasadnionymi przypadkami, w kt\u00f3rych do dokonania czynno\u015bci prawnej wymagana jest zgoda s\u0105du upad\u0142o\u015bciowego, upad\u0142y nie mo\u017ce dokonywa\u0107 czynno\u015bci prawnych, dotycz\u0105cych jego maj\u0105tku, kt\u00f3re mog\u0142yby pogorszy\u0107 jego zdolno\u015b\u0107 do wykonania planu sp\u0142aty wierzycieli. Co jednak wa\u017cne z punktu widzenia osoby upad\u0142ej zakaz ten nie ma charakteru nieograniczonego i to na s\u0105dzie spoczywa\u0107 b\u0119dzie ocena wa\u017cno\u015bci dokonania takiej czynno\u015bci w zestawieniu z interesem wierzycieli. Jednym z obowi\u0105zk\u00f3w, o kt\u00f3rych wykonaniu musi pami\u0119ta\u0107 upad\u0142y jest coroczne sk\u0142adanie sprawozdania z wykonania planu sp\u0142aty wierzycieli za poprzedni rok kalendarzowy. Sprawozdanie takie upad\u0142y sk\u0142ada do s\u0105du, w kt\u00f3rym zosta\u0142a og\u0142oszona upad\u0142o\u015b\u0107. d) Ograniczenie swobody finansowej W toku post\u0119powania przed syndykiem, w zwi\u0105zku z konieczno\u015bci\u0105 sprawnego przeprowadzenia post\u0119powania upad\u0142o\u015bciowego, cz\u0119\u015b\u0107 wynagrodzenia upad\u0142ego jest przekazywana na rachunek bankowy masy upad\u0142o\u015bci. Nale\u017cy jednak pami\u0119ta\u0107, \u017ce dzieje si\u0119 to z zachowaniem prawa upad\u0142ego do godnego \u017cycia, bowiem w sk\u0142ad masy upad\u0142o\u015bci wchodzi jedynie kwota przekraczaj\u0105ca kwot\u0119 niepodlegaj\u0105c\u0105 zaj\u0119ciu tj. przekraczaj\u0105ca minimalne wynagrodzenie za prac\u0119, w przypadku realizowania stosunku pracy w pe\u0142nym wymiarze czasu pracy. W przypadku zatrudnienia upad\u0142ego na umow\u0119 o prac\u0119 w niepe\u0142nym wymiarze czasu pracy, na rachunek masy upad\u0142o\u015bci przekazywana powinna by\u0107 kwota proporcjonalnie zmniejszona do wymiaru czasu pracy. e) Maj\u0105tek wsp\u00f3lny ma\u0142\u017conk\u00f3w i skuteczno\u015b\u0107 ustanowienia rozdzielno\u015bci maj\u0105tkowej Kolejnym istotnym zagadnieniem, kt\u00f3re nale\u017cy wzi\u0105\u0107 pod uwag\u0119 przy upad\u0142o\u015bci konsumenckiej jest wp\u0142yw jej og\u0142oszenia na stosunki maj\u0105tkowe ma\u0142\u017ce\u0144skie upad\u0142ego. Zgodnie z obowi\u0105zuj\u0105cymi przepisami &nbsp;wraz z dniem og\u0142oszenia upad\u0142o\u015bci konsumenckiej jednego z ma\u0142\u017conk\u00f3w powstaje mi\u0119dzy ma\u0142\u017conkami rozdzielno\u015b\u0107 maj\u0105tkowa, a je\u015bli pozostawali oni w wsp\u00f3lno\u015bci maj\u0105tkowej, to maj\u0105tek wsp\u00f3lny ma\u0142\u017conk\u00f3w wchodzi w sk\u0142ad masy upad\u0142o\u015bci. W takiej sytuacji ma\u0142\u017conek upad\u0142ego przybiera posta\u0107 i uprawnienia jednego z wierzycieli masy upad\u0142o\u015bci. Syndyk zawiadamia go o og\u0142oszeniu upad\u0142o\u015bci upad\u0142ego i poucza o mo\u017cliwo\u015bci zg\u0142oszenia wierzytelno\u015bci. Ma\u0142\u017conek mo\u017ce bowiem dochodzi\u0107 w postepowaniu upad\u0142o\u015bciowym nale\u017cno\u015bci z tytu\u0142u udzia\u0142u w maj\u0105tku wsp\u00f3lnym, zg\u0142aszaj\u0105c t\u0119 wierzytelno\u015b\u0107 syndykowi za po\u015brednictwem systemu teleinformatycznego obs\u0142uguj\u0105cego post\u0119powanie s\u0105dowe. D\u0142u\u017cnik, sk\u0142adaj\u0105cy wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej musi mie\u0107 r\u00f3wnie\u017c \u015bwiadomo\u015b\u0107, \u017ce nawet wcze\u015bniejsze ustanowienie rozdzielno\u015bci maj\u0105tkowej nie zawsze b\u0119dzie chroni\u0142o maj\u0105tek drugiego ma\u0142\u017conka. Ustanowienie rozdzielno\u015bci maj\u0105tkowej ma\u0142\u017ce\u0144skiej na podstawie orzeczenia s\u0105du w ci\u0105gu roku przed dniem z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci jest bezskuteczne w stosunku do masy upad\u0142o\u015bci, chyba \u017ce pozew o ustanowienie rozdzielno\u015bci maj\u0105tkowej zosta\u0142 z\u0142o\u017cony co najmniej na dwa lata przed dniem z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci. Natomiast w przypadku ustanowienia rozdzielno\u015bci maj\u0105tkowej ma\u0142\u017ce\u0144skiej przed notariuszem, umowa taka jest skuteczna w stosunku do masy upad\u0142o\u015bci tylko wtedy, gdy zosta\u0142a zawarta co najmniej dwa lata przed dniem z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. Oznacza to, \u017ce w przypadku z\u0142o\u017cenia przez d\u0142u\u017cnika wniosku o og\u0142oszenie upad\u0142o\u015bci przed up\u0142ywem powy\u017cszych okres\u00f3w, ca\u0142y maj\u0105tek ma\u0142\u017conk\u00f3w b\u0119dzie wchodzi\u0142 w sk\u0142ad masy upad\u0142o\u015bci i podlega\u0142 likwidacji. W tym miejscu warto zaznaczy\u0107, \u017ce do masy upad\u0142o\u015bci nie wchodz\u0105 przedmioty s\u0142u\u017c\u0105ce wy\u0142\u0105cznie ma\u0142\u017conkowi upad\u0142ego do prowadzenia dzia\u0142alno\u015bci gospodarczej lub zawodowej, cho\u0107by by\u0142y obj\u0119te maj\u0105tkow\u0105 wsp\u00f3lno\u015bci\u0105 ma\u0142\u017ce\u0144sk\u0105. &nbsp; Podsumowanie Podsumowuj\u0105c nale\u017cy stwierdzi\u0107, \u017ce<\/p>","protected":false},"author":18,"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":""},"categories":[19],"tags":[],"ppma_author":[37],"class_list":["post-11062","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":37,"user_id":18,"is_guest":0,"slug":"k-kaminskapmr-restructuring-pl","display_name":"Karolina Kami\u0144ska","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/user16.jpg","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/user16.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/11062","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\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=11062"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/11062\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=11062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=11062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=11062"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=11062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}