{"id":5812,"date":"2017-07-07T12:00:00","date_gmt":"2017-07-07T10:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/pozyczasz-to-musisz-oddac\/"},"modified":"2025-01-31T18:09:39","modified_gmt":"2025-01-31T18:09:39","slug":"if-you-borrow-you-have-to-pay-back","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/if-you-borrow-you-have-to-pay-back\/","title":{"rendered":"Borrowing? Then you have to give it back"},"content":{"rendered":"

One in five people who take out a loan do so to pay bills (electricity, gas, rent). We also use additional financing for everyday unexpected expenses, such as repairing a car, washing machine or fridge, among others, according to an Ipsos survey commissioned by Wonga.<\/p>\n

We also borrow money to put up with seasonal purchases (school layette or buying clothes). Meanwhile, when in financial trouble, many bury their heads in the sand and do nothing to resolve it, which usually ends up with a debt collector.<\/p>\n

In order to avoid having to resort to credit when unexpected expenses arise, it is worth taking care of your financial cushion and putting aside even small amounts every month.<\/p>\n

Unfortunately, Poles definitely prefer 'living on credit'. However, some debts are particularly sensitive for them, others not at all. And so: maintenance debt is a source of embarrassment for almost 47 per cent of people, while mortgages are the most readily accepted. As many as 46 per cent of Poles have no problem talking about them with friends, according to a survey by law firm PMR Restructuring.<\/p>\n

\n- Poles treat mortgages as something natural and no one is pestered by them, according to Ma\u0142gorzata Anisimowicz, president of the law firm PMR Restrukturyzacje.\n<\/div>\n

Which debts, on the other hand, do we prefer not to admit to our friends? The aforementioned maintenance debts break records. Non-payment of child maintenance is a serious problem among Poles. Data from the Ministry of Justice are alarming - as many as 80 per cent of people who have been ordered to pay maintenance are in breach of this obligation.<\/p>\n

Another reason for shame is using a pawn shop and taking out a loan against collateral. We are embarrassed by payday loans, delays in household payments. We are definitely less ashamed of arrears in ZUS and tax office<\/a>.<\/p>\n

\nThe material appeared in the Gazeta Pomorska:
\n<\/b>
\n26 June 2017:
\n\" Borrowing? Then you have to give it back!<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

One in five people who take out a loan does so to pay bills (electricity, gas, rent). We also use additional financing for unexpected everyday expenses, such as car, washing machine, or refrigerator repairs, according to an Ipsos study commissioned by Wonga. We also borrow money to cover seasonal purchases (back to school supplies or clothes). Meanwhile, when faced with financial difficulties, many bury their heads in the sand and do nothing to resolve them, which usually ends up in a debt collector's office. To avoid a situation where unexpected expenses require recourse to a loan, it's worth ensuring a financial cushion and setting aside even small amounts each month. Unfortunately, Poles definitely prefer "living on credit." However, some debts are particularly sensitive to them, others not at all. For example, alimony debt is a source of shame for almost 47% of people, while mortgages are the most readily accepted. As many as 46% of people do not. Poles have no problem discussing mortgages with friends, according to a study by PMR Restrukturyzacje. "Poles treat mortgages as something natural, and no one is embarrassed by them," says Ma\u0142gorzata Anisimowicz, president of PMR Restrukturyzacje. What debts do we prefer not to admit to our friends? The aforementioned alimony debt is breaking records. Failure to pay child support is a serious problem for Poles. Data from the Ministry of Justice is alarming \u2013 as many as 80% of people who have been awarded alimony do not fulfill this obligation. Using pawn shops and taking out collateral loans is also a cause for shame. We are embarrassed by payday loans and late payments on household bills. We are much less ashamed of arrears with the Social Insurance Institution (ZUS) and the tax office. The article was published in Gazeta Pomorska on June 26, 2017: "You borrow? You have to pay it back!"<\/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-5812","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\/5812","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=5812"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5812\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5812"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5812"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5812"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5812"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}