{"id":5804,"date":"2017-05-09T09:42:50","date_gmt":"2017-05-09T07:42:50","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/bankrutujesz-i-zaczynasz-nowe-zycie\/"},"modified":"2025-01-31T18:22:47","modified_gmt":"2025-01-31T18:22:47","slug":"you-go-bankrupt-and-start-a-new-life","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/you-go-bankrupt-and-start-a-new-life\/","title":{"rendered":"You go bankrupt and start a new life"},"content":{"rendered":"

More and more people want to declare consumer bankruptcy. You can do this if you have incurred debts due to illness or accident, for example, and not by taking out a loan on credit. In the first quarter of this year, district courts that handle cases consumer bankruptcy<\/a> (in our region, Bydgoszcz and Toru\u0144) issued 69 such resolutions. In the whole of 2016, there were 404 of them.<\/p>\n

\n\u2013 The purpose of consumer bankruptcy is to discharge a person's debts, and the satisfaction of creditors is secondary \u2013 emphasizes Ma\u0142gorzata Anisimowicz, president of the PMR Restrukturyzacje law firm \u2013 And this is the difference consumer bankruptcy from corporate bankruptcy<\/a>. It allows debtors to get out of debt. grey zone<\/a> and start a new life.\n<\/div>\n

<\/a>After the amendment to the Bankruptcy and Restructuring Law, which came into force on 1 January 2015, everyone can afford to file an application to the district court (commercial division), because it costs only PLN 30. Remuneration the trustee is much lower than in the case of companies<\/a>, and incomparably cheaper than paying a bailiff. The trustee cannot earn less than one-fourth of the average monthly salary in the corporate sector or more than twice its value. In exceptional situations, when the proceedings are complicated or the trustee has to deal with many creditors, the court may increase his remuneration to four times the average salary.<\/p>\n

If someone does not have the money for the costs of the bankruptcy proceedings, the judge may decide that the Treasury will cover them initially and that the consumer will pay as the plan is implemented.<\/p>\n

In order for the court to decide on consumer bankruptcy, the debtor should be insolvent and the reasons for this must be beyond the debtor's control and be due to fortuitous situations, such as a serious illness or an accident at work. The court will not agree to a declaration of bankruptcy if someone has taken out loans knowing that he or she will not repay them, or has caused a financial disaster through negligence. Soon these restructuring provisions are to be relaxed too, and the government is working on another amendment to the law.<\/p>\n

\nThe material appeared in the Gazeta Pomorska:
\n<\/b>
\n5 May 2017:
\n\" Download PDF page<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Coraz wi\u0119cej os\u00f3b chce og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105. Mo\u017cna, je\u015bli zad\u0142u\u017cyli\u015bmy si\u0119 np. przez chorob\u0119 lub wypadek, a nie bior\u0105c kredytu na kredyt. W pierwszym kwartale tego roku s\u0105dy rejonowe, kt\u00f3re prowadz\u0105 sprawy upad\u0142o\u015bci konsumenckiej (w naszym regionie bydgoski i toru\u0144ski) wyda\u0142y 69 takich postanowie\u0144. W ca\u0142ym 2016 roku by\u0142o ich 404. – Celem upad\u0142o\u015bci konsumenckiej jest odd\u0142u\u017cenie osoby, a zaspokojenie wierzycieli schodzi na drugi plan – podkre\u015bla Ma\u0142gorzata Anisimowicz, prezes kancelarii PMR Restrukturyzacje – I tym r\u00f3\u017cni si\u0119 upad\u0142o\u015b\u0107 konsumencka od upad\u0142o\u015bci firm. Pozwala d\u0142u\u017cnikom wyj\u015b\u0107 z szarej strefy i rozpocz\u0105\u0107 nowe \u017cycie. Po nowelizacji ustawy o prawie upad\u0142o\u015bciowym i naprawczym, kt\u00f3ra obowi\u0105zuje od 1 stycznia 2015 roku, ka\u017cdego sta\u0107 na z\u0142o\u017cenie wniosku do s\u0105du rejonowego (wydzia\u0142 gospodarczy), bo to zaledwie 30z\u0142. Wynagrodzenie syndyka jest znacznie ni\u017csze ni\u017c w przypadku firm, a niepor\u00f3wnywalnie ta\u0144sze ni\u017c op\u0142acanie komornika. Syndyk nie mo\u017ce zarobi\u0107 mniej ni\u017c jedn\u0105 czwart\u0105 przeci\u0119tnego miesi\u0119cznego wynagrodzenia w sektorze przedsi\u0119biorstw oraz wi\u0119cej ni\u017c jego dwukrotno\u015b\u0107. W wyj\u0105tkowyh sytuacjach, kiedy post\u0119powanie jest skomplikowane lub syndyk ma do czynienia z wieloma wierzycielami, s\u0105d mo\u017ce podnie\u015b\u0107 jego uposa\u017cenie do czterokrotno\u015bci przeci\u0119tnego wynagrodzenia. Je\u015bli kto\u015b nie ma pieni\u0119dzy na koszty post\u0119powania upad\u0142o\u015bciowego, s\u0119dzia mo\u017ce zdecydowa\u0107, \u017ce pocz\u0105tkowo pokryje je Skarb Pa\u0144stwa, a konsument zap\u0142aci w trakcie realizacji planu. Aby s\u0105d zdecydowa\u0142 o upad\u0142o\u015bci konsumenckiej, d\u0142u\u017cnik powinien by\u0107 niewyp\u0142acalny, a przyczyny tego musz\u0105 by\u0107 niezale\u017cne od niego i wynika\u0107 z losowych sytuacji, takich jak np. ci\u0119\u017cka choroba albo wypadek przy pracy. S\u0105d nie zgodzi si\u0119 na og\u0142oszenie upad\u0142osci, je\u015bli kto\u015b zaci\u0105gn\u0105\u0142 kredyty, wiedz\u0105c, \u017ce ich nie sp\u0142aci, lub doprowadzi\u0142 do katastrofy finansowej z powodu niedbalstwa. Nied\u0142ugo i te restrukyjne przepisy maj\u0105 by\u0107 z\u0142agodzone, a rz\u0105d pracuje nad kolejn\u0105 nowelizacj\u0105 ustawy. Materia\u0142 ukaza\u0142 si\u0119 w Gazecie Pomorskiej: dnia 5 maja 2017: \u00bb Pobierz stron\u0119 PDF<\/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-5804","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\/5804","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=5804"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5804\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5804"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}