{"id":421,"date":"2018-09-19T13:00:00","date_gmt":"2018-09-19T11:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-dziala\/"},"modified":"2018-09-19T13:00:00","modified_gmt":"2018-09-19T11:00:00","slug":"consumer-bankruptcy-works","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-works\/","title":{"rendered":"Consumer bankruptcy works"},"content":{"rendered":"

Courts across the country are granting consumer bankruptcy petitions, according to PMR Restructuring SA. They usually summon the debtor to a hearing to dispel any doubts, but sometimes, when the evidence is sufficiently convincing, they make a decision at a closed session. Experts confirm that the system is working and the New Chance policy for individuals is starting to deliver tangible benefits nationwide.<\/p>\n

According to data from the Central Economic Information Centre, it is growing number of consumer bankruptcies<\/a> in Poland. The estimated number at the end of the year is to be around 6,500, compared to 5,535 in 2017. This is almost an 18 percent increase. Experts estimate that the number of people unable to repay loans or other liabilities is around 2 million.<\/p>\n

\n- All of the dozens consumer bankruptcy applications<\/a>that we prepared after the amendment of the Bankruptcy and Restructuring Law, were positively considered by courts across the country \u2013 says Ma\u0142gorzata Anisimowicz, President of PMR Restrukturyzacje SA.<\/p>\n

- Our specialists provide advice, check the legal situation, help with the process of completing the documentation and they are trapped, unable to see a way out of the situation,\" adds Malgorzata Anisimowicz.\n<\/p><\/div>\n

WITH information from PMR Restructuring experts<\/a> SA also shows that the majority of consumer bankruptcy cases concern people who find themselves in the so-called debt spiral and without assets.<\/p>\n

At the moment the court dismisses bankruptcy petition<\/a>, if the debtor has caused his insolvency or significantly increased its degree intentionally or through gross negligence. On the other hand, the changes that the Ministry of Justice has been announcing for some time are to make it easier for people who have disposed of their assets in an unreasonable way or have become entangled in a debt spiral through numerous loans or credits to declare bankruptcy. In such situations, the courts will examine the causes of insolvency the debtor at the stage of preparing a creditor repayment plan<\/a> and determine the repayment time only then, i.e. after the declaration of consumer bankruptcy, and not \u2013 as before \u2013 at the stage of submitting an application to the court.<\/p>\n

How to get consumer bankruptcy?<\/a><\/b><\/p>\n

A person who is unable to settle their obligations to creditors for at least 3 months may apply to the district court for application for declaring bankruptcy<\/a> consumer. The condition for considering the application is its correct completion, a detailed presentation of the applicant's situation and documentation of the factual state. The court fee for the application is PLN 30.<\/p>\n

To whom? courts grant consumer bankruptcy?<\/a><\/b><\/p>\n

Consumer bankruptcy<\/a> is a way to restore normal life in society for people who, for various reasons, are unable to repay their obligations and debts. Currently, consumer bankruptcy<\/a> can only apply for people who have financial problems through no fault of their own or as a result of unfavorable events. With the upcoming change, courts will declare consumer bankruptcy for all those who need help and are looking for a constructive solution solutions to your problems<\/a> financial, examining the issue of guilt only at a later stage. The issue of guilt and causes will affect the length of the repayment period before we achieve complete freedom from debt. The repayment plan for people who are not at fault lasts no longer than 36 months. For those who are at fault in their situation, a longer period of implementation of the creditor repayment plan is provided, it is to last from three to seven years.<\/p>\n

Even though the act has been in force for several years, knowledge about it is still limited. consumer bankruptcy<\/a> is negligible and aid reaches a very small group of people in need.<\/p>\n

In Germany, 100,000 applications are submitted each year consumer bankruptcy<\/a> compared to about 5,000 in Poland.<\/p>\n

\nThe material appeared in the Kurier Szczecinski newspaper:
\n<\/b>
\n19 September 2018:
\n\" Consumer bankruptcy works<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

S\u0105dy w ca\u0142ym kraju pozytywnie rozpatruj\u0105 wnioski o upad\u0142o\u015b\u0107 konsumenck\u0105 – wynika z informacji PMR Restrukturyzacje SA. Zwykle wzywaj\u0105 d\u0142u\u017cnika na rozpraw\u0119 w celu rozwiania wszelkich w\u0105tpliwo\u015bci, ale czasami, gdy materia\u0142 dowodowy jest wystarczaj\u0105co przekonuj\u0105cy, podejmuj\u0105 decyzj\u0119 na posiedzeniu niejawnym. Specjali\u015bci potwierdzaj\u0105, \u017ce system dzia\u0142a i polityka nowej szansy w odniesieniu do os\u00f3b fizycznych zaczyna przynosi\u0107 wymierne korzy\u015bci w skali og\u00f3lnopolskiej. Wed\u0142ug danych Centralnego O\u015brodka Informacji Gospodarczej, ro\u015bnie liczba upad\u0142o\u015bci konsumenckich w Polsce. Szacowana liczba na koniec roku ma wynie\u015b\u0107 oko\u0142o 6500 wobec 5535 w 2017 r. To prawie 18-procentowy wzrost. Eksperci szacuj\u0105, \u017ce liczba os\u00f3b nieradz\u0105cych sobie ze sp\u0142atami kredyt\u00f3w lub innych zobowi\u0105za\u0144 to oko\u0142o 2 miliony. – Wszystkie spo\u015br\u00f3d kilkudziesi\u0119ciu wniosk\u00f3w o upad\u0142o\u015b\u0107 konsumenck\u0105, jakie przygotowywali\u015bmy po nowelizacji ustawy o prawie upad\u0142o\u015bciowym i restrukturyzacyjnym, zosta\u0142y pozytywnie rozpatrzone przez s\u0105dy w ca\u0142ym kraju – m\u00f3wi Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA. – Nasi specjali\u015bci udzielaj\u0105 porad, sprawdzaj\u0105 sytuacj\u0119 prawn\u0105, pomagaj\u0105 w procesie kompletowania dokumentacji oraz s\u0105 w potrzasku, nie widz\u0105 wyj\u015bcia z sytuacji – dodaje Ma\u0142gorzata Anisimowicz. Z informacji ekspert\u00f3w PMR Restrukturyzacje SA wynika r\u00f3wnie\u017c, \u017ce wi\u0119kszo\u015b\u0107 przypadk\u00f3w upad\u0142o\u015bci konsumenckich dotycz\u0105 os\u00f3b, kt\u00f3re znalaz\u0142y si\u0119 w tzw. spirali zad\u0142u\u017cenia oraz bez maj\u0105tku. Na chwil\u0119 obecn\u0105 s\u0105d oddala wniosek o og\u0142oszenie upad\u0142o\u015bci, je\u017celi d\u0142u\u017cnik doprowadzi\u0142 do swojej niewyp\u0142acalno\u015bci lub istotnie zwi\u0119kszy\u0142 jej stopie\u0144 umy\u015blnie lub wskutek ra\u017c\u0105cego niedbalstwa. Natomiast zmiany, kt\u00f3re od pewnego czasu zapowiada Ministerstwo Sprawiedliwo\u015bci, maj\u0105 u\u0142atwi\u0107 drog\u0119 do og\u0142oszenia upad\u0142o\u015bci osobom, kt\u00f3re dysponowa\u0142y swoim maj\u0105tkiem w spos\u00f3b nierozs\u0105dny lub wpl\u0105ta\u0142y si\u0119 w spiral\u0119 zad\u0142u\u017cenia poprzez liczne po\u017cyczki lub kredyty. W takich sytuacjach s\u0105dy b\u0119d\u0105 bada\u0107 przyczyny niewyp\u0142acalno\u015bci d\u0142u\u017cnika na etapie przygotowania planu sp\u0142at wierzycieli i ustala\u0107 czas sp\u0142acenia dopiero wtedy, czyli po og\u0142oszeniu upad\u0142o\u015bci konsumenckiej, a nie – jak dotychczas – na etapie sk\u0142adania wniosku do s\u0105du. Jak uzyska\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105? Osoba, kt\u00f3ra nie jest w stanie przez co najmniej 3 miesi\u0105ce regulowa\u0107 swoich zobowi\u0105za\u0144 wobec wierzycieli, mo\u017ce wyst\u0105pi\u0107 do s\u0105du rejonowego z wnioskiem o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. Warunkiem rozpatrzenia wniosku jest jego poprawne wype\u0142nienie, szczeg\u00f3\u0142owe przedstawienie sytuacji wnioskodawcy oraz udokumentowanie stanu faktycznego. Op\u0142ata s\u0105dowa do wniosku to 30 z\u0142otych. Komu s\u0105dy przyznaj\u0105 upad\u0142o\u015b\u0107 konsumenck\u0105? Upad\u0142o\u015b\u0107 konsumencka to spos\u00f3b na przywr\u00f3cenie do normalnego \u017cycia w spo\u0142ecze\u0144stwie ludzi, kt\u00f3rzy z r\u00f3\u017cnych powod\u00f3w nie maj\u0105 mo\u017cliwo\u015bci sp\u0142acania swoich zobowi\u0105za\u0144, d\u0142ug\u00f3w. Obecnie o upad\u0142o\u015b\u0107 konsumenck\u0105 mog\u0105 stara\u0107 si\u0119 wy\u0142\u0105cznie osoby, kt\u00f3re popad\u0142y w problemy finansowe nie ze swojej winy lub na skutek nieprzychylnych wypadk\u00f3w losowych. Wraz z nadchodz\u0105c\u0105 zmian\u0105 s\u0105dy b\u0119d\u0105 og\u0142asza\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105 w przypadku wszystkich potrzebuj\u0105cych pomocy i szukaj\u0105cych konstruktywnego rozwi\u0105zania swoich problem\u00f3w finansowych, badaj\u0105c zagadnienie winy dopiero na p\u00f3\u017aniejszym etapie. Kwestia winy i przyczyn wp\u0142ynie bowiem na d\u0142ugo\u015b\u0107 okresu sp\u0142aty zobowi\u0105za\u0144, zanim uzyskamy zupe\u0142n\u0105 wolno\u015b\u0107 od d\u0142ug\u00f3w. Plan sp\u0142aty w przypadku os\u00f3b, kt\u00f3re nie zawini\u0142y, trwa nie d\u0142u\u017cej ni\u017c 36 miesi\u0119cy. Dla winnych swojej sytuacji przewidziano d\u0142u\u017cszy okres realizacji planu sp\u0142aty wierzycieli, ma on trwa\u0107 od trzech do siedmiu lat. Mimo \u017ce ustawa funkcjonuje ju\u017c kilka lat, to i tak wiedza na temat upad\u0142o\u015bci konsumenckiej jest znikoma i pomoc trafia do bardzo niewielkiej grupy potrzebuj\u0105cych. W Niemczech corocznie sk\u0142adanych jest 100 tys. wniosk\u00f3w o upad\u0142o\u015b\u0107 konsumenck\u0105 w por\u00f3wnaniu do ok. 5 tys. w Polsce. Materia\u0142 ukaza\u0142 si\u0119 w gazecie Kurier Szczecinski: dnia 19 wrze\u015bnia 2018: \u00bb Upad\u0142o\u015b\u0107 konsumencka dzia\u0142a<\/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-421","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\/421","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=421"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/421\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=421"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}