{"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 […]<\/p>\n","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"},"author_category":"","first_name":"Zesp\u00f3\u0142 PMR","last_name":"","user_url":"","job_title":"","description":""}],"_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}]}}