{"id":5834,"date":"2018-04-05T12:00:00","date_gmt":"2018-04-05T10:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/jak-przekonac-wierzycieli-zeby-poczekali\/"},"modified":"2018-04-05T12:00:00","modified_gmt":"2018-04-05T10:00:00","slug":"how-to-convince-creditors-to-wait","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-to-convince-creditors-to-wait\/","title":{"rendered":"How to convince creditors to wait"},"content":{"rendered":"

More than two years have passed since the introduction of key changes to restructuring and bankruptcy law in Poland. Has the mentality of Polish businessmen changed significantly during this time? Are we more effective in saving Polish companies from bankruptcy? creditors are still the first to benefit from aggressive<\/a> debt collection, or is dialogue with the debtor an increasingly common alternative? Analysis by restructuring advisors PMR Restrukturyzacje SA.<\/p>\n

According to the data from the Central Economic Information Centre, the number of bankrupt companies is decreasing year by year, while the number of those undergoing restructuring is increasing. Thus, in 2014, 888 companies went bankrupt, in 2015 750, in 2016 606, and in 2017 only 591. Restructuring proceedings, which have been in operation for only two years, were 212 in 2016 and 348 in 2017, respectively. These numbers show actual changes in the functioning of companies. As restructuring advisors explain, real changes are behind the numbers<\/a> mentality of business partners, institutions and market regulators, as well as the increasingly widespread use of recently available company rescue tools.<\/p>\n

Creditor behaviour - the Polish plague<\/b><\/p>\n

Aggressive debt collection activities are still the primary method of debt recovery in Polish conditions. Unfortunately, it is very often these actions that lead to the bankruptcy of companies. How does this happen?<\/p>\n

\u2013 It often happens that creditors, and not necessarily the main ones, do not want to hold talks and start debt collection activities, which are largely focused on the seizure of bank accounts and future receivables by bailiffs. In the case of trading or service companies, this very often leads to a complete loss of liquidity and often a profitable company with temporary problems has no chance<\/a> to run a business and generate revenue to repay their receivables
\n\u2013 says Ma\u0142gorzata Anisimowicz, president of PMR Restrukturyzacje SA and an experienced restructuring advisor<\/a>.<\/div>\n
- Often, the loss of liquidity is caused, for example, by the fact that another creditor has not paid for goods or services,\" adds Ma\u0142gorzata Anisimowicz.<\/div>\n

There are cases when, for example, one of the machines from the technological line is sold through bailiff's execution, which does not represent a significant value on its own, and its sale allows only partial satisfaction of one creditor. Such debt collection entails the inability to repay the remaining creditors.<\/p>\n

The material appeared on forumfirm.co.uk:
\n<\/b>
\n27 March 2018:
\n\" How to convince creditors to wait, or even help the debtor<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Min\u0119\u0142y ponad dwa lata od momentu wprowadzenia kluczowych zmian w prawie restrukturyzacyjnym i upad\u0142o\u015bciowych w Polsce. Czy w tym czasie znacz\u0105co zmieni\u0142a si\u0119 mentalno\u015b\u0107 polskich biznesmen\u00f3w? Czy skuteczniej ratujemy polskie firmy od upad\u0142o\u015bci? Czy wierzyciele nadal w pierwszym rz\u0119dzie korzystaj\u0105 z agresywnej windykacji, czy dialog z d\u0142u\u017cnikiem jest coraz cz\u0119stsz\u0105 alternatyw\u0105? Analiza doradc\u00f3w restrukturyzacyjnych PMR Restrukturyzacje SA. Zgodnie z danym Centralnego O\u015brodka Informacji Gospodarczej z roku na rok zmniejsza si\u0119 liczba bankrutuj\u0105cych firm, zwi\u0119ksza natomiast tych poddawanych restrukturyzacjom. I tak w 2014 r. zbankrutowa\u0142o 888 firm, w 2015 r. 750, 2016 r. 606, a 2017 r. tylko 591. Post\u0119powania restrukturyzacyjne, kt\u00f3re funkcjonuj\u0105 zaledwie dwa lata, to odpowiednio w 2016 r. 212 i w 2017 r. 348. Liczby te pokazuj\u0105 faktyczne zmiany w funkcjonowaniu firm. Jak t\u0142umacz\u0105 doradcy restrukturyzacyjni za tymi liczbami stoj\u0105 realne zmiany mentalne partner\u00f3w biznesowych, instytucji oraz regulator\u00f3w rynku, a tak\u017ce coraz powszechniejsze wykorzystywanie dost\u0119pnych od niedawna narz\u0119dzi ratowania firm. Zachowania wierzycieli \u2013 polska plaga Agresywne dzia\u0142ania windykacyjne to nadal podstawowa metoda odzyskiwania nale\u017cno\u015bci w warunkach polskich. Niestety bardzo cz\u0119sto w\u0142a\u015bnie te dzia\u0142ania doprowadzaj\u0105 do bankructwa firm. Jak do tego dochodzi? – Wielokrotnie zdarza si\u0119 ze wierzyciele, i to nie koniecznie g\u0142\u00f3wni, nie chc\u0105c prowadzi\u0107 rozm\u00f3w rozpoczynaj\u0105 dzia\u0142ania windykacyjne, kt\u00f3re w du\u017cej mierze skupiaj\u0105 si\u0119 na zaj\u0119ciu przez komornik\u00f3w kont bankowych i przysz\u0142ych wierzytelno\u015bci. W przypadku firm handlowych czy tez us\u0142ugowych bardzo cz\u0119sto prowadzi to do ca\u0142kowitej utraty p\u0142ynno\u015bci i cz\u0119sto firma dochodowa z przej\u015bciowymi k\u0142opotami nie ma szans na prowadzenie dzia\u0142alno\u015bci i generowanie przychod\u00f3w dla sp\u0142aty swoich wierzytelno\u015bci \u2013 m\u00f3wi Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA i do\u015bwiadczony doradca restrukturyzacyjny. – Cz\u0119sto te\u017c utrata p\u0142ynno\u015bci spowodowana jest chocia\u017cby tym, \u017ce inny wierzyciel nie zap\u0142aci\u0142 za towar, us\u0142ug\u0119 \u2013 dodaje Ma\u0142gorzata Anisimowicz. Zdarzaj\u0105 si\u0119 przypadki kiedy w drodze egzekucji komorniczej zbywana jest np. jedna z maszyn z ci\u0105gu technologicznego, kt\u00f3ra sama nie przedstawia znacz\u0105cej warto\u015bci, a jej sprzeda\u017c pozwala na zaspokojenie zaledwie w cz\u0119\u015bci jednego wierzyciela. Taka windykacja poci\u0105ga za sob\u0105 brak mo\u017cliwo\u015bci sp\u0142aty pozosta\u0142ych wierzycieli. Materia\u0142 ukaza\u0142 si\u0119 w serwisie forumfirm.pl: dnia 27 marca 2018: \u00bb Jak przekona\u0107 wierzycieli, \u017ceby poczekali, albo nawet pomogli d\u0142u\u017cnikowi<\/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-5834","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\/5834","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=5834"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5834\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5834"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}