{"id":5784,"date":"2016-12-02T08:33:48","date_gmt":"2016-12-02T07:33:48","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-szansa-dla-frankowiczow\/"},"modified":"2016-12-02T08:33:48","modified_gmt":"2016-12-02T07:33:48","slug":"consumer-bankruptcy-a-chance-for-franc-borrowers","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-a-chance-for-franc-borrowers\/","title":{"rendered":"Consumer bankruptcy an opportunity for francophiles?"},"content":{"rendered":"

After the elections in the USA, the Swiss franc is climbing. It is already at PLN 4.16 and unfortunately, the upward trend is still visible. Thousands of Polish families who took out a loan for a desired apartment are losing ground, and politicians still do not have a good idea for a solution to their difficult situation. Some borrowers decide to announce consumer bankruptcy<\/a> \u2013 informs PMR Restrukturyzacje.<\/p>\n

The number of loans and credits pertaining to the Swiss currency amounts to approximately 562 000 in Poland, amounting to PLN 144 billion. Most of these are loans and credits secured by mortgages, among which housing loans predominate. The rising exchange rate of the franc therefore means another difficult time for thousands of borrowers.<\/p>\n

PMR Restrukturyzacje reminds that twice as many applications for announcements have been submitted to the courts this year consumer bankruptcies<\/a> than in the whole of 2015. According to experts, this is not the result of impoverishment of society, but only of increased awareness among Poles. It means that thousands of people who have so far lived in a debt spiral, avoiding bailiffs, are getting a new chance and the possibility of returning to normal life.
\n– Consumer bankruptcy<\/a> This is very good news for many people, it is a new start, improvement of living conditions and return to normality. This is the rescue they have been waiting for a long time
\n\u2013 says Ma\u0142gorzata Anisimowicz, president of PMR Restructuring<\/a> ARE<\/p>\n

As predicted by restructuring advisors from her company, in the coming years we can expect a steady increase in the number of applications for consumer bankruptcy<\/a>, until it reaches a level of around 50,000 per year, when the process will begin to stabilize.<\/p>\n

The material appeared on the website:
\n<\/b>
\n1 December 2016:
\n\" There is an opportunity for the francophone, although...<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Po wyborach w USA kurs franka szwajcarskiego pnie si\u0119 w g\u00f3r\u0119. Ju\u017c teraz wynosi 4,16 z\u0142 i niestety wci\u0105\u017c wida\u0107 tendencj\u0119 wzrostow\u0105. Tysi\u0105ce polskich rodzin, kt\u00f3re wzi\u0119\u0142y kredyt na upragnione mieszkanie traci grunt pod nogami, a politycy nadal nie maj\u0105 dobrego pomys\u0142u na rozwi\u0105zanie ich trudnej sytuacji. Cz\u0119\u015b\u0107 kredytobiorc\u00f3w decyduje si\u0119 wi\u0119c na og\u0142oszenie upad\u0142o\u015bci konsumenckiej \u2013 informuje firma PMR Restrukturyzacje. Liczba kredyt\u00f3w i po\u017cyczek odnosz\u0105cych si\u0119 do szwajcarskiej waluty wynosi w Polsce oko\u0142o 562 tys. i opiewa na 144 mld z\u0142. Wi\u0119kszo\u015b\u0107 z nich to kredyty i po\u017cyczki zabezpieczone hipotecznie, w\u015br\u00f3d kt\u00f3rych dominuj\u0105 kredyty mieszkaniowe. Rosn\u0105cy kurs franka oznacza wi\u0119c dla tysi\u0119cy kredytobiorc\u00f3w kolejne trudne chwile. PMR Restrukturyzacje przypomina, \u017ce w br. do s\u0105d\u00f3w wp\u0142yn\u0119\u0142o ju\u017c dwukrotnie wi\u0119cej wniosk\u00f3w o og\u0142oszenie upad\u0142o\u015bci konsumenckich ni\u017c w ca\u0142ym roku 2015. Wed\u0142ug ekspert\u00f3w nie jest to wynikiem ubo\u017cenia spo\u0142ecze\u0144stwa, a jedynie wzrostu \u015bwiadomo\u015bci w\u015br\u00f3d Polak\u00f3w. Oznacza bowiem, \u017ce tysi\u0105ce ludzi, kt\u00f3rzy do tej pory \u017cyli w spirali zad\u0142u\u017cenia, unikaj\u0105c komornik\u00f3w, dostaj\u0105 now\u0105 szans\u0119 i mo\u017cliwo\u015b\u0107 powrotu do normalnego \u017cycia. – Upad\u0142o\u015b\u0107 konsumencka to dla wielu ludzi bardzo dobra wiadomo\u015b\u0107, to nowy start, poprawa warunk\u00f3w \u017cycia i powr\u00f3t do normalno\u015bci. To ratunek, na kt\u00f3ry d\u0142ugo czekali – m\u00f3wi Ma\u0142gorzata Anisimowicz prezes PMR Restrukturyzacje S.A. Jak przewiduj\u0105 doradcy restrukturyzacyjni z jej firmy, w kolejnych latach w Polsce mo\u017cemy spodziewa\u0107 si\u0119 sta\u0142ego wzrostu liczby wniosk\u00f3w o upad\u0142o\u015b\u0107 konsumenck\u0105, a\u017c do osi\u0105gni\u0119cia pu\u0142apu oko\u0142o 50 tys. rocznie, kiedy to proces ten zacznie si\u0119 stabilizowa\u0107. Materia\u0142 ukaza\u0142 si\u0119 w serwisie: dnia 1 grudnia 2016: \u00bb Jest szansa dla frankowicz\u00f3w, cho\u0107…<\/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-5784","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\/5784","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=5784"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5784\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5784"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}