{"id":3255,"date":"2024-09-11T13:30:08","date_gmt":"2024-09-11T11:30:08","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=3255"},"modified":"2024-11-23T15:08:21","modified_gmt":"2024-11-23T15:08:21","slug":"does-the-consumer-bankruptcy-petition-have-to-be-on-the-form","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/does-the-consumer-bankruptcy-petition-have-to-be-on-the-form\/","title":{"rendered":"Does the application for consumer bankruptcy have to be on a form"},"content":{"rendered":"

The application for consumer bankruptcy should be filed through the National Register of Debtors. From December 1, 2021, all applications in bankruptcy and restructuring cases should be filed electronically. However, the legislator has provided an exemption from the above rule in several cases, including: filing a bankruptcy petition<\/a> by a natural person who does not conduct business activity. However, submitting an application in paper form does not exempt the consumer from the need to submit a document during bankruptcy proceedings in electronic form via National Register of Indebted Persons<\/a>.<\/p>\n\n\n\n

How to do it correctly then? submit an application<\/a> bankruptcy?<\/strong><\/p>\n\n\n\n

In order to have immediate access to the files of your bankruptcy proceedings, as well as at the stage of the bankruptcy proceedings already in place, you first need to set up a Profile in the National Debtors Register. Next, it is necessary to select the appropriate type of letter from the catalogue and then complete it by indicating the debtor's data, the data of its creditors as well as the size of the liabilities and the due date of these liabilities. The applicant must also indicate what assets he or she owns, what his or her living expenses were in the six months prior to the application and what his or her income was. A declaration must also be made that there are no negative grounds for opening insolvency proceedings.<\/p>\n\n\n\n

Once the application is complete, the application must be paid for. Once paid, the application can be submitted through the system.<\/p>","protected":false},"excerpt":{"rendered":"

Wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105 powinien by\u0107 z\u0142o\u017cony za po\u015brednictwem Krajowego Rejestru Zad\u0142u\u017conych. Od 1 grudnia 2021 roku wszystkie wnioski w sprawach upad\u0142o\u015bciowych i restrukturyzacyjnych powinny by\u0107 sk\u0142adane w formie elektronicznej. Ustawodawca przewidzia\u0142 jednak wy\u0142\u0105czenie od w\/w regu\u0142y w kilku przypadkach, m.in. dotyczy to z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci przez osob\u0119 fizyczn\u0105 nieprowadz\u0105c\u0105 dzia\u0142alno\u015bci gospodarczej. Niemniej jednak z\u0142o\u017cenia wniosku w formie papierowej nie zwalnia konsumenta z konieczno\u015bci sk\u0142adania pisma w toku post\u0119powania upad\u0142o\u015bciowego w postaci elektronicznej za po\u015brednictwem Krajowego Rejestru Zad\u0142u\u017conych. Jak w takim razie prawid\u0142owo z\u0142o\u017cy\u0107 wniosek upad\u0142o\u015bciowy? Aby mie\u0107 od razu dost\u0119p do akt swojego post\u0119powania w przedmiocie og\u0142oszenia upad\u0142o\u015bci, a tak\u017ce na etapie ju\u017c w\u0142a\u015bciwego post\u0119powania upad\u0142o\u015bciowego, w pierwszej kolejno\u015bci nale\u017cy za\u0142o\u017cy\u0107 Profil w Krajowym Rejestrze Zad\u0142u\u017conych. Nast\u0119pnie nale\u017cy wybra\u0107 odpowiedni rodzaj pisma z katalogu, a nast\u0119pnie go uzupe\u0142ni\u0107 poprzez wskazanie danych d\u0142u\u017cnika, danych jego wierzycieli jak r\u00f3wnie\u017c wielko\u015bci zobowi\u0105za\u0144 oraz daty wymagalno\u015bci tych zobowi\u0105za\u0144. Wnioskodawca musi r\u00f3wnie\u017c wskaza\u0107 jaki maj\u0105tek posiada, jakie by\u0142y jego koszty utrzymania w ci\u0105gu sze\u015bciu miesi\u0119cy przed z\u0142o\u017ceniem wniosku oraz jakie by\u0142y jego przychody. Nale\u017cy te\u017c z\u0142o\u017cy\u0107 o\u015bwiadczenie o braku negatywnych przes\u0142anek do otwarcia post\u0119powania upad\u0142o\u015bciowego. Po kompletnym wype\u0142nieniu wniosku nale\u017cy op\u0142aci\u0107 wniosek. Po op\u0142aceniu mo\u017cna sk\u0142ada\u0107 wniosek za po\u015brednictwem systemu.<\/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":[24],"tags":[],"ppma_author":[30],"class_list":["post-3255","post","type-post","status-publish","format-standard","hentry","category-upadlosc-konsumencka"],"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\/3255","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=3255"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/3255\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=3255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=3255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=3255"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=3255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}