{"id":3238,"date":"2024-09-11T12:45:03","date_gmt":"2024-09-11T10:45:03","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=3238"},"modified":"2025-04-02T12:52:37","modified_gmt":"2025-04-02T12:52:37","slug":"does-filing-for-bankruptcy-suspend-enforcement-2","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/does-filing-for-bankruptcy-suspend-enforcement-2\/","title":{"rendered":"Does the filing of a bankruptcy petition stop enforcement?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">There is no doubt that individuals conducting business activity or companies or partnerships intending to file for bankruptcy are in a difficult financial situation. Because bankruptcy was created precisely for such entrepreneurs. Such entities, very often, apart from financial problems, have problems with debt collection companies or bailiffs who, as part of the enforcement actions taken, try to collect receivables for creditors of insolvent entrepreneurs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><audio src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/08\/Co-to-jest-restrukturyzacja.mp3\"><\/audio><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/Czy-zlozenie-wniosku-o-upadlosc-wstrzymuje-egzekuc.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In accordance with the Code of Civil Procedure, we distinguish the following methods of enforcing monetary claims:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>execution against movable property (movable property);<\/li>\n\n\n\n<li>enforcement against wages;<\/li>\n\n\n\n<li>enforcement against bank accounts;<\/li>\n\n\n\n<li>enforcement of other receivables;<\/li>\n\n\n\n<li>enforcement of other property rights;<\/li>\n\n\n\n<li>foreclosure on real estate;<\/li>\n\n\n\n<li>execution from sea vessels.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The bailiff will try to enforce the performance \u2013 using the above-mentioned methods of enforcement. But is it so? <a href=\"https:\/\/pmrsa.pl\/en\/does-the-consumer-bankruptcy-petition-have-to-be-on-the-form\/\">must be<\/a>? Is it possible to submit an application <a href=\"https:\/\/pmrsa.pl\/en\/the-end-of-bankruptcy-holidays\/\" data-wpil-monitor-id=\"296\">bankruptcy means the end<\/a> problems with execution?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Itself <a href=\"https:\/\/pmrsa.pl\/en\/does-filing-a-bankruptcy-petition-suspend-enforcement\/\" data-wpil-monitor-id=\"1014\">filing a bankruptcy petition does not suspend enforcement<\/a>. Filing a bankruptcy petition opens bankruptcy proceedings, which may end with the dismissal or termination of the bankruptcy petition or the issuance of a decision to open bankruptcy proceedings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is from this moment, i.e. from the date of the Court&#039;s decision to open bankruptcy proceedings, that enforcement proceedings are suspended by operation of law (the bailiff cannot effectively perform enforcement activities, e.g. he cannot conduct an auction, the bailiff cannot also transfer the amounts already enforced to the creditors). This is a very important element of securing the assets of the insolvent entrepreneur, who from that moment on benefits from a specific security against single enforcement, i.e. enforcement not for all creditors but for one or several creditors who <a href=\"https:\/\/pmrsa.pl\/en\/hawe-sa-has-submitted-an-application-to-change-the-issuers-manager\/\" data-wpil-monitor-id=\"2182\">They submitted an application<\/a> execution to the bailiff. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The decision to open bankruptcy proceedings is appealable, so if the legislator had omitted the element of staying the enforcement proceedings, then by the date it becomes final the assets could have been liquidated in the ongoing enforcement proceedings to the detriment of all the creditors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After the decision declaring bankruptcy becomes final, enforcement proceedings are discontinued and the amounts not released by the bailiffs to the creditors in the suspended enforcement proceedings are transferred to the trustee. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It should also be noted that from the date of opening of bankruptcy proceedings, bailiffs will not be able to initiate new enforcement proceedings, even if the application to initiate them was filed before the opening of bankruptcy proceedings. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does this mean that from the date of filing an application to open bankruptcy proceedings against an entrepreneur until the opening of bankruptcy proceedings, the debtor&#039;s assets are always exposed to seizure by a bailiff?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Well, no. Bankruptcy law provides protection measures for entrepreneurs who want to protect their assets from execution or sale. In order to secure their assets, entrepreneurs who file <a href=\"https:\/\/pmrsa.pl\/en\/can-a-creditor-file-a-petition-for-the-bankruptcy-of-a-debtor\/\">a bankruptcy petition may be filed<\/a> also a motion to secure assets by suspending the ongoing enforcement proceedings and prohibiting the initiation of new enforcement proceedings against the assets of the insolvent entrepreneur. Such a motion should be filed together with <a href=\"https:\/\/pmrsa.pl\/en\/what-if-the-court-rejects-the-application-for-consumer-bankruptcy\/\" data-wpil-monitor-id=\"1015\">application<\/a> for the opening of bankruptcy proceedings and immediately considered by the Court.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nie pozostawia \u017cadnych w\u0105tpliwo\u015bci, \u017ce osoby fizyczne prowadz\u0105ce dzia\u0142alno\u015b\u0107 gospodarcz\u0105 lub sp\u00f3\u0142ki kapita\u0142owe lub osobowe nosz\u0105ce si\u0119 z zamiarem z\u0142o\u017cenia wniosku upad\u0142o\u015bciowego s\u0105 w trudnej sytuacji finansowej. Bowiem upad\u0142o\u015b\u0107 zosta\u0142a stworzona w\u0142a\u015bnie dla takich przedsi\u0119biorc\u00f3w. Takie podmioty, bardzo cz\u0119sto maj\u0105 poza problemami finansowymi, k\u0142opoty z firmami windykacyjnymi czy te\u017c komornikami, kt\u00f3rzy w ramach podejmowanych czynno\u015bci egzekucyjnych staraj\u0105 si\u0119 wyegzekwowa\u0107 nale\u017cno\u015bci dla wierzycieli niewyp\u0142acalnych przedsi\u0119biorc\u00f3w. Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Zgodnie z Kodeksem post\u0119powania cywilnego (wyr\u00f3\u017cniamy nast\u0119puj\u0105ce sposoby egzekucji \u015bwiadcze\u0144 pieni\u0119\u017cnych: Komornik b\u0119dzie stara\u0142 si\u0119 wyegzekwowa\u0107 \u015bwiadczenie \u2013 korzystaj\u0105c z wy\u017cej wskazanych sposob\u00f3w egzekucji. Czy jednak tak musi by\u0107? Czy z\u0142o\u017cenie wniosku upad\u0142o\u015bciowego oznacza koniec problem\u00f3w z egzekucj\u0105? Samo z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci nie wstrzymuje egzekucji. Z\u0142o\u017cenie wniosku upad\u0142o\u015bciowego otwiera post\u0119powanie w przedmiocie og\u0142oszenia upad\u0142o\u015bci, kt\u00f3re mo\u017ce zako\u0144czy\u0107 si\u0119 oddaleniem lub umorzeniem wniosku o og\u0142oszenie upad\u0142o\u015bci lub wydaniem postanowienia o otwarciu post\u0119powania upad\u0142o\u015bciowego. To w\u0142a\u015bnie od tego momentu tj. od dnia wydania przez S\u0105d postanowienia o otwarciu post\u0119powania upad\u0142o\u015bciowego post\u0119powania egzekucyjne zostaj\u0105 zawieszone z mocy prawa (komornik nie mo\u017ce skutecznie dokona\u0107 czynno\u015bci egzekucyjnej w tym np. nie mo\u017ce przeprowadzi\u0107 licytacji, komornik nie mo\u017ce r\u00f3wnie\u017c przekaza\u0107 wierzycielom ju\u017c wyegzekwowanych kwot). Jest to bardzo istotny element zabezpieczenia maj\u0105tku niewyp\u0142acalnego przedsi\u0119biorcy, kt\u00f3ry od tego momentu korzysta ze swoistego zabezpieczenia przed egzekucj\u0105 singluarn\u0105 czyli egzekucj\u0105 nie na rzecz og\u00f3\u0142u wierzycieli a na rzecz jednego lub kilku wierzycieli, kt\u00f3rzy z\u0142o\u017cyli wniosek egzekucyjny do komornika. Postanowienie o otwarciu post\u0119powania upad\u0142o\u015bciowego jest zaskar\u017calne wi\u0119c gdyby ustawodawca pomin\u0105\u0142 element zawieszenia post\u0119powa\u0144 egzekucyjnych to do dnia jego uprawomocnienia maj\u0105tek m\u00f3g\u0142by zosta\u0107 zlikwidowany w tocz\u0105cych si\u0119 post\u0119powaniach egzekucyjnych ze szkod\u0105 dla og\u00f3\u0142u wierzycieli. Po uprawomocnieniu si\u0119 postanowienia o og\u0142oszeniu upad\u0142o\u015bci post\u0119powania egzekucyjne zostaj\u0105 umorzone, a sumy niewydane przez komornik\u00f3w wierzycielom w zawieszonych post\u0119powaniach egzekucyjnych s\u0105 przekazywane syndykowi. Nale\u017cy te\u017c zaznaczy\u0107, i\u017c od dnia otwarcia post\u0119powania upad\u0142o\u015bciowego komornicy nie b\u0119d\u0105 mogli wszczyna\u0107 nowych post\u0119powa\u0144 egzekucyjnych nawet je\u017celi wniosek o ich wszcz\u0119cie by\u0142 z\u0142o\u017cony przed otwarciem post\u0119powania upad\u0142o\u015bciowego. Czy to oznacza, \u017ce od dnia z\u0142o\u017cenia wniosku o otwarcie post\u0119powania upad\u0142o\u015bciowego przedsi\u0119biorcy do otwarcia post\u0119powania upad\u0142o\u015bciowego maj\u0105tek d\u0142u\u017cnika zawsze jest nara\u017cony na zaj\u0119cie przez komornika? Ot\u00f3\u017c nie. Prawo upad\u0142o\u015bciowe przewidzia\u0142o \u015brodki ochrony dla przedsi\u0119biorc\u00f3w, kt\u00f3rzy chc\u0105 uchroni\u0107 maj\u0105tek przed egzekucj\u0105 czy te\u017c sprzeda\u017c\u0105. W celu zabezpieczenia maj\u0105tku, przedsi\u0119biorcy sk\u0142adaj\u0105cy wniosek upad\u0142o\u015bciowy mog\u0105 z\u0142o\u017cy\u0107 r\u00f3wnie\u017c wniosek o zabezpieczenie maj\u0105tku poprzez zawieszenie tocz\u0105cych si\u0119 egzekucji oraz zakaz wszczynania nowych post\u0119powa\u0144 egzekucyjnych z maj\u0105tku niewyp\u0142acalnego przedsi\u0119biorcy. Wniosek taki powinien zosta\u0107 z\u0142o\u017cony wraz z wnioskiem o otwarcie postepowania upad\u0142o\u015bciowego i niezw\u0142ocznie rozpoznany przez S\u0105d.<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"closed","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":[23],"tags":[],"ppma_author":[30],"class_list":["post-3238","post","type-post","status-publish","format-standard","hentry","category-upadlosc-gospodarcza"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/3238","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=3238"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/3238\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=3238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=3238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=3238"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=3238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}