{"id":390,"date":"2017-09-22T14:00:00","date_gmt":"2017-09-22T12:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/coraz-blizej-do-e-rejestru-zadluzonych\/"},"modified":"2025-01-31T18:02:23","modified_gmt":"2025-01-31T18:02:23","slug":"getting-closer-to-the-e-register-of-the-indebted","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/getting-closer-to-the-e-register-of-the-indebted\/","title":{"rendered":"Debtors' e-registry getting closer"},"content":{"rendered":"

If everything goes according to the government's plan, the law on the National Register of Debtors will come into effect from 1 February 2019. It will contain information on companies that are undergoing bankruptcy and restructuring proceedings, as well as data on consumer bankruptcies and people who are in arrears with maintenance.<\/p>\n

If everything goes according to the government's plan, the National Debt Register Act will come into force on February 1, 2019. It will contain information on companies that are undergoing bankruptcy and restructuring proceedings, as well as data on consumer bankruptcies and people in arrears with alimony. Experts warn that including companies in the debt register in restructuring may cause problems<\/a> with them obtaining loans.<\/p>\n

On September 7 this year, the Ministry of Justice submitted a draft law to the Council of Ministers on National Register of Indebted Persons<\/a>. Contrary to the original plans, the register is to be much broader than originally planned. It will include companies and individuals subject to restructuring or bankruptcy proceedings, as well as debtors who are in arrears with alimony for a period longer than 6 months.<\/p>\n

No more paperwork<\/b><\/p>\n

The register is to be public and accessible on the Internet for everyone. We will find out from it when the company filed an application to initiate restructuring proceedings<\/a>, which court is handling the case, we will learn the case reference number, the name of the restructuring administrator, the list of receivables, the composition of the bankruptcy estate, and the creditor repayment plan.<\/p>\n

An important change introduced by the proposed act is the necessity to file pleadings and documents only by means of an electronic register. The same will happen with court decisions - they will be published only in the ICT system. The courts will also abandon postal deliveries and they will be sent electronically, which will reduce the number of paper correspondence and also shorten the time between issuing a ruling and sending it.<\/p>\n

Faster courts, lower costs<\/b><\/p>\n

This is to significantly improve the work of district courts and their commercial divisions dealing with restructuring and bankruptcy proceedings, as well as to speed up the processes repair companies<\/a>. The significant reduction in the costs of these proceedings is also significant. Both courts and entrepreneurs will no longer have to publish announcements and notices in the Court and Economic Monitor, which will allow for significant savings in restructuring and bankruptcy proceedings.<\/p>\n

Writings Process and documents will be entered into the electronic system using<\/a> available ready-made electronic forms and will have to be certified with a qualified electronic signature. The register will not include cases that were initiated before the Act came into force, which is planned for 1 February 2019. Their documentation will remain in paper form.<\/p>\n

Risk of stigmatization companies in restructuring?<\/a><\/b><\/p>\n

However, restructuring advisors warn against putting all assets into one register. companies in repair<\/a> and dishonest debtors.<\/p>\n

\u2013 In one register, without any particularly clear distinction, there will be both those who have not paid their debts for years and are running away from the bailiff, as well as, for example, consumers who, through no fault of their own, have become overly indebted and have gone to court with a motion to declare their bankruptcy. What is even more dangerous, the same register will include companies in during restructuring<\/a>, which, for example, are only threatened with insolvency or have already entered into an arrangement with creditors and are repaying their debts. This will stigmatize entrepreneurs again and make it difficult for them to obtain, for example, trade credits or bank financing for the development of their companies - says Ma\u0142gorzata Anisimowicz, restructuring advisor at the PMR law firm Restructuring of SA. - After completing the arrangement with creditors<\/a> these companies will still appear in the register of debtors for several years, even though they will no longer be in debt - he adds.<\/div>\n

According to Ma\u0142gorzata Anisimowicz, it would be worth changing the name of the register, and if not \u2013 then at least clearly separating a separate "green" subdirectory of restructuring proceedings in the general register, so that those using the register could intuitively and mentally distinguish companies in the process restructuring from yellow bankruptcy alerts<\/a> consumers or businesses, and even more so from red alerts \u2013 concerning dishonest debtors who avoid settling their obligations and who have not paid their receivables for years.<\/p>\n

- Putting everyone back in one bag under the name of "register of debtors" will not fully correspond to the actual state of affairs and will again contradict the spirit of the restructuring act, which came into force on January 1, 2016 and created a new opening for the recovery companies and bankruptcy prevention<\/a> enterprises \u2013 says Ma\u0142gorzata Anisimowicz.<\/div>\n
The material appeared on ccnews.co.uk:
\n<\/b>
\n18 September 2017:
\n\" Closer and closer to e-record of debtors<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Je\u015bli wszystko p\u00f3jdzie zgodnie z planem rz\u0105du, od 1 lutego 2019 roku zacznie obowi\u0105zywa\u0107 ustawa o Krajowym Rejestrze Zad\u0142u\u017conych. B\u0119dzie on zawiera\u0142 informacje o firmach, kt\u00f3re s\u0105 w trakcie post\u0119powa\u0144 upad\u0142o\u015bciowych i restrukturyzacyjnych, a tak\u017ce dane o upad\u0142o\u015bciach konsumenckich i osobach zalegaj\u0105cych z alimentami. Je\u015bli wszystko p\u00f3jdzie zgodnie z planem rz\u0105du, od 1 lutego 2019 roku zacznie obowi\u0105zywa\u0107 ustawa o Krajowym Rejestrze Zad\u0142u\u017conych. B\u0119dzie on zawiera\u0142 informacje o firmach, kt\u00f3re s\u0105 w trakcie post\u0119powa\u0144 upad\u0142o\u015bciowych i restrukturyzacyjnych, a tak\u017ce dane o upad\u0142o\u015bciach konsumenckich i osobach zalegaj\u0105cych z alimentami. Eksperci alarmuj\u0105, \u017ce wrzucenie do rejestru d\u0142u\u017cnik\u00f3w firm w restrukturyzacji mo\u017ce spowodowa\u0107 k\u0142opoty z uzyskaniem przez nie kredyt\u00f3w. Ministerstwo Sprawiedliwo\u015bci skierowa\u0142o 7 wrze\u015bnia tego roku do Rady Ministr\u00f3w projekt ustawy o Krajowym Rejestrze Zad\u0142u\u017conych. Wbrew pierwotnym planom rejestr ma by\u0107 du\u017co obszerniejszy, ni\u017c zak\u0142adano. Znajd\u0105 si\u0119 w nim firmy oraz osoby fizyczne, wobec kt\u00f3rych prowadzone s\u0105 post\u0119powania restrukturyzacyjne lub upad\u0142o\u015bciowe, a tak\u017ce d\u0142u\u017cnicy zalegaj\u0105cy z alimentami za okres d\u0142u\u017cszy ni\u017c 6 miesi\u0119cy. Koniec z papierologi\u0105 Rejestr ma by\u0107 jawny i dost\u0119pny w internecie dla ka\u017cdego. Dowiemy si\u0119 z niego, kiedy firma z\u0142o\u017cy\u0142a wniosek o wszcz\u0119cie post\u0119powania restrukturyzacyjnego, kt\u00f3ry s\u0105d prowadzi spraw\u0119, poznamy sygnatur\u0119 akt, nazwisko zarz\u0105dcy restrukturyzacyjnego, spis wierzytelno\u015bci, sk\u0142ad masy upad\u0142o\u015bciowej, a tak\u017ce plan sp\u0142aty wierzycieli. Istotn\u0105 zmian\u0105, kt\u00f3r\u0105 wprowadza projektowana ustawa, jest konieczno\u015b\u0107 wnoszenia pism procesowych i dokument\u00f3w wy\u0142\u0105cznie za pomoc\u0105 elektronicznego rejestru. Podobnie b\u0119dzie z orzeczeniami s\u0105du \u2013 b\u0119d\u0105 publikowane tylko w systemie teleinformatycznym. S\u0105dy zrezygnuj\u0105 te\u017c z dor\u0119cze\u0144 pocztowych, b\u0119d\u0105 one wysy\u0142ane w formie elektronicznej, co ograniczy liczb\u0119 korespondencji w formie papierowej, a tak\u017ce skr\u00f3ci czas od wydania orzeczenia do jego wys\u0142ania. Szybsza praca s\u0105d\u00f3w, mniejsze koszty Ma to znacznie usprawni\u0107 prac\u0119 s\u0105d\u00f3w rejonowych i ich wydzia\u0142\u00f3w gospodarczych, kt\u00f3re zajmuj\u0105 si\u0119 post\u0119powaniami restrukturyzacyjnymi i upad\u0142o\u015bciowymi, a tak\u017ce przyspieszy\u0107 procesy naprawy firm. Nie bez znaczenia jest r\u00f3wnie\u017c znaczne zmniejszenie koszt\u00f3w tych post\u0119powa\u0144. Zar\u00f3wno s\u0105dy, jak i przedsi\u0119biorcy nie b\u0119d\u0105 ju\u017c musieli publikowa\u0107 obwieszcze\u0144 oraz og\u0142osze\u0144 w Monitorze S\u0105dowym i Gospodarczym, co pozwoli na du\u017ce oszcz\u0119dno\u015bci w post\u0119powaniach restrukturyzacyjnych i upad\u0142o\u015bciowych. Pisma procesowe i dokumenty b\u0119d\u0105 wprowadzane do systemu elektronicznego za pomoc\u0105 dost\u0119pnych w nim gotowych formularzy elektronicznych i b\u0119d\u0105 musia\u0142y by\u0107 po\u015bwiadczone kwalifikowanym podpisem elektronicznym. W rejestrze nie znajd\u0105 si\u0119 sprawy, kt\u00f3re zosta\u0142y rozpocz\u0119te przed wej\u015bciem w \u017cycie ustawy, co planowane jest na 1 lutego 2019 roku. Ich dokumentacja pozostanie w formie papierowej. Ryzyko stygmatyzacji firm w restrukturyzacji? Doradcy restrukturyzacyjni przestrzegaj\u0105 jednak przed wrzucaniem do jednego rejestru firm w naprawie oraz nieuczciwych d\u0142u\u017cnik\u00f3w. \u2013 W\u00a0jednym rejestrze bez szczeg\u00f3lnie wyra\u017anego rozr\u00f3\u017cnienia znajd\u0105 si\u0119 zar\u00f3wno ci, kt\u00f3rzy od lat nie p\u0142ac\u0105 swoich d\u0142ug\u00f3w i uciekaj\u0105 przed komornikiem, jak i np. konsumenci, kt\u00f3rzy nie ze swej winy popadli w nadmierne zad\u0142u\u017cenie i poszli do s\u0105du z wnioskiem o og\u0142oszenie ich upad\u0142o\u015bci. Co jeszcze bardziej niebezpieczne, w tym samym rejestrze znajd\u0105 si\u0119 przedsi\u0119biorstwa w trakcie restrukturyzacji, kt\u00f3re np. s\u0105 jedynie zagro\u017cone niewyp\u0142acalno\u015bci\u0105 lub wr\u0119cz ju\u017c zawar\u0142y uk\u0142ad z wierzycielami i sp\u0142acaj\u0105 swoje d\u0142ugi. To b\u0119dzie ponownie stygmatyzowa\u0142o przedsi\u0119biorc\u00f3w i utrudnia\u0142o im uzyskanie np. kredyt\u00f3w kupieckich czy finansowania bankowego na rozw\u00f3j swoich firm\u2013 uwa\u017ca Ma\u0142gorzata Anisimowicz, doradca restrukturyzacyjny w kancelarii PMR Restrukturyzacje SA.\u2013 Po wype\u0142nieniu uk\u0142adu z wierzycielami firmy te b\u0119d\u0105 jeszcze przez kilka lat widnia\u0142y w rejestrze zad\u0142u\u017conych, mimo \u017ce zad\u0142u\u017cone ju\u017c nie b\u0119d\u0105 \u2013 dodaje. Zdaniem Ma\u0142gorzaty Anisimowicz warto by\u0142oby zmieni\u0107 nazw\u0119 rejestru, a je\u015bli nie \u2013 to co najmniej wyra\u017anie wydzieli\u0107 w og\u00f3lnym rejestrze odr\u0119bny \u201ezielony\u201d podkatalog post\u0119powa\u0144 restrukturyzacyjnych, tak by intuicyjnie i mentalnie korzystaj\u0105cy z rejestru odr\u00f3\u017cniali firmy w trakcie restrukturyzacji od \u017c\u00f3\u0142tych alert\u00f3w o upad\u0142o\u015bci konsument\u00f3w czy przedsi\u0119biorstw, a tym bardziej od czerwonych alert\u00f3w \u2013 dotycz\u0105cych d\u0142u\u017cnik\u00f3w nieuczciwych, uchylaj\u0105cych si\u0119 od regulowania zobowi\u0105za\u0144, kt\u00f3rzy od lat nie sp\u0142acaj\u0105 swoich wierzytelno\u015bci. \u2013 Ponowne wrzucenie wszystkich do jednego worka pod nazw\u0105 \u201erejestr zad\u0142u\u017conych\u201d nie b\u0119dzie odpowiada\u0142o w pe\u0142ni stanowi faktycznemu i na powr\u00f3t zaprzeczy duchowi ustawy restrukturyzacyjnej, kt\u00f3ra wesz\u0142a w \u017cycie 1 stycznia 2016 roku i stworzy\u0142a nowe otwarcie dla naprawy firm i zapobieganiu upad\u0142o\u015bciom przedsi\u0119biorstw\u2013 uwa\u017ca Ma\u0142gorzata Anisimowicz. Materia\u0142 ukaza\u0142 si\u0119 w serwisie ccnews.pl: dnia 18 wrze\u015bnia 2017: \u00bb Coraz bli\u017cej do e-rejestru zad\u0142u\u017conych<\/p>","protected":false},"author":12,"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":[30],"class_list":["post-390","post","type-post","status-publish","format-standard","hentry","category-blog"],"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\/390","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=390"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/390\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=390"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}