{"id":5826,"date":"2017-11-15T14:00:00","date_gmt":"2017-11-15T13:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/rosnie-zadluzenie-mlodych-polakow\/"},"modified":"2024-12-14T14:20:05","modified_gmt":"2024-12-14T14:20:05","slug":"the-debt-of-young-poles-is-growing","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/the-debt-of-young-poles-is-growing\/","title":{"rendered":"Young Poles' indebtedness is increasing"},"content":{"rendered":"

According to the Credit Information Bureau's "Credit Trends" report, the number of people with liabilities to loan companies increased by 24 thousand in the first half of 2017. About 80 percent of them also have bank loans. This creates the risk of some borrowers falling into a spiral debts by taking on more liabilities in companies<\/a> loan. The interest in such companies results from the fact that banks are withdrawing from low-amount consumer loans.<\/p>\n

\u2013 I don't think that the increase in debt is a negative symptom. What is more important is how young people behave when they lose the ability to service their obligations. Do they try to solve their problems or do they run away from them, hoping that they will solve themselves? Identifying the debt problem in its initial phase and dealing with it is possible with a small sacrifice on the part of the borrower. Sometimes it is enough to limit your eating or partying habits, get more involved in work and show a bit of strong will to overcome difficulties before they start to pile up.
\n\u2013 says S\u0142awomir Anisimowicz, director at the PMR Restrukturyzacje SA law firm, which helps consumers with bankruptcy.<\/div>\n

S\u0142awomir Anisimowicz admits, however, that such simple solutions are often not possible. This happens when the borrower decides to take out a loan too late. problem solving<\/a> or in the event of accidental events (illness, accident) that we have no influence on. Then excessive debt becomes difficult to eliminate.<\/p>\n

\u2013 It is important to take decisive action then. First, try to reach an agreement with the creditors, and if it does not happen, use legal tools such as consumer bankruptcy<\/a>. Such decisions are most often made by conscious consumers. Unfortunately, there are too few social initiatives that make young people (and not only them) aware that remaining in a state of excessive debt leads to being pushed to the margins of society, directly into grey zone<\/a>
\n\u2013 adds a representative of the PMR law firm Restructuring<\/a> SA.<\/div>\n

As many as 25 percent of the loan sector's clients are under 25 years old. Many of them are unable to repay their debts. Over 567 thousand young Poles aged 18-34 already have a total of PLN 4.6 billion in arrears. debts<\/a> non-credit \u2013 according to data from the BIG InfoMonitor Debtors Register. The situation is even worse in loans, where every eighth 18-34-year-old cannot cope with repayment. The number of debtors in arrears increased by over 86 thousand from March 2016 to March 2017.<\/p>\n

The material was published on the telegraf.biz website:
\n<\/b>
\non November 8, 2017:
\n\u00bb Young people's debt is growing<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Jak wynika z raportu \u201eKredyt Trendy” Biura Informacji Kredytowej, w pierwszym p\u00f3\u0142roczu 2017 roku o 24 tys. wzros\u0142a liczba os\u00f3b maj\u0105cych zobowi\u0105zania w firmach po\u017cyczkowych. Oko\u0142o 80 proc. z nich ma r\u00f3wnie\u017c kredyty bankowe. To rodzi niebezpiecze\u0144stwo wpadania cz\u0119\u015bci kredytobiorc\u00f3w w spiral\u0119 d\u0142ug\u00f3w poprzez zaci\u0105ganie kolejnych zobowi\u0105za\u0144 w firmach po\u017cyczkowych. Zainteresowanie takimi firmami wynika z faktu, \u017ce banki wycofuj\u0105 si\u0119 z niskokwotowych kredyt\u00f3w konsumpcyjnych. – Nie wydaje mi si\u0119, \u017ceby wzrost zad\u0142u\u017cenia by\u0142 objawem negatywnym. Wa\u017cniejsze jest, jak zachowuj\u0105 si\u0119 m\u0142odzi ludzie w sytuacji, gdy trac\u0105 mo\u017cliwo\u015b\u0107 obs\u0142ugi zobowi\u0105za\u0144. Czy pr\u00f3buj\u0105 rozwi\u0105za\u0107 swoje k\u0142opoty, czy te\u017c uciekaj\u0105 od nich, maj\u0105c nadziej\u0119, \u017ce same si\u0119 one rozwi\u0105\u017c\u0105? Identyfikacja problemu zad\u0142u\u017cenia w pocz\u0105tkowej jego fazie i zmierzenie si\u0119 z nim mo\u017cliwe s\u0105 przy niewielkim wyrzeczeniu kredytobiorcy. Czasem wystarczy ograniczy\u0107 swoje przyzwyczajenia \u017cywieniowe lub imprezowe, bardziej zaanga\u017cowa\u0107 si\u0119 w prac\u0119 i wykaza\u0107 si\u0119 odrobin\u0105 silnej woli, \u017ceby pokona\u0107 trudno\u015bci, zanim zaczn\u0105 si\u0119 nawarstwia\u0107 – uwa\u017ca S\u0142awomir Anisimowicz, dyrektor w kancelarii PMR Restrukturyzacje SA, kt\u00f3ra pomaga konsumentom w zakresie upad\u0142o\u015bci. S\u0142awomir Anisimowicz przyznaje jednak, \u017ce cz\u0119sto takie proste rozwi\u0105zania nie s\u0105 mo\u017cliwe. Dzieje si\u0119 tak wtedy, gdy kredytobiorca zbyt p\u00f3\u017ano decyduje si\u0119 na rozwi\u0105zanie problem\u00f3w lub w sytuacji zdarze\u0144 losowych (choroba, wypadek), na kt\u00f3re nie mamy wp\u0142ywu. Wtedy nadmierne zad\u0142u\u017cenie staje si\u0119 trudne do zniwelowania. – Wa\u017cne jest w\u00f3wczas podj\u0119cie zdecydowanych dzia\u0142a\u0144. Najpierw pr\u00f3ba porozumienia z wierzycielami, a gdy do niego nie dojdzie, skorzystanie z narz\u0119dzi prawnych takich jak upad\u0142o\u015b\u0107 konsumencka. Takie decyzje podejmuj\u0105 najcz\u0119\u015bciej \u015bwiadomi konsumenci. Za ma\u0142o jest, niestety, inicjatyw spo\u0142ecznych, kt\u00f3re u\u015bwiadamiaj\u0105 m\u0142odym ludziom (i nie tylko im), \u017ce pozostawanie w stanie nadmiernego zad\u0142u\u017cenia prowadzi ich do wypchni\u0119cia na margines spo\u0142eczny, wprost do szarej strefy – dodaje przedstawiciel kancelarii PMR Restrukturyzacje SA. A\u017c 25 proc. klient\u00f3w sektora po\u017cyczkowego to osoby w wieku do 25 lat. Wielu z nich nie radzi sobie ze sp\u0142acaniem d\u0142ug\u00f3w. Ponad 567 tys. m\u0142odych Polak\u00f3w w wieku 18-34 lata ma ju\u017c \u0142\u0105cznie 4,6 mld zaleg\u0142ych d\u0142ug\u00f3w pozakredytowych – wynika z danych Rejestru D\u0142u\u017cnik\u00f3w BIG InfoMonitor. Jeszcze gorzej sytuacja wygl\u0105da w kredytach, gdzie co \u00f3smy 18-34-latek nie radzi sobie ze sp\u0142at\u0105. Liczba d\u0142u\u017cnik\u00f3w zalegaj\u0105cych ze sp\u0142atami wzros\u0142a o ponad 86 tys. od marca 2016 roku do marca 2017 roku. Materia\u0142 ukaza\u0142 si\u0119 w serwisie telegraf.biz: dnia 8 listopada 2017: \u00bb Ro\u015bnie zad\u0142u\u017cenie m\u0142odych ludzi<\/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-5826","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\/5826","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=5826"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5826\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5826"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}