{"id":5839,"date":"2018-06-06T12:00:00","date_gmt":"2018-06-06T10:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-nowelizacja-ustawy\/"},"modified":"2018-06-06T12:00:00","modified_gmt":"2018-06-06T10:00:00","slug":"consumer-bankruptcy-amendment-act","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-amendment-act\/","title":{"rendered":"Consumer bankruptcy - amendment to the law"},"content":{"rendered":"

Consumer bankruptcy also for those who are guilty of their situation, for people with no assets at once, with a longer time for repayment. This could be a breakthrough in debt settlement for people with no chance of settling time-barred debts and in the statistics of people taking advantage of such opportunities in Poland.<\/p>\n

The work on the amendment to the Consumer Bankruptcy Act envisages huge improvements for people who find themselves trapped in debt, experts explain.<\/p>\n

The three biggest changes to the Consumer Bankruptcy Act<\/a>, which has been operating for only two years in a new form, is the possibility of applying for debt relief assistance by private individuals who do not run a business and who have found themselves in a bad financial situation due to their own "gross negligence", i.e. through their own fault, the extension of the debt repayment period to 7 years and a fast-track decision on granting consumer bankruptcy for people without assets, e.g. those who are supported by a family. -<\/p>\n

\u2013 Institutionalization bankruptcy<\/a> consumerism of people who are to blame for their terrible financial situation, have made mistakes, taken out loans, spent or lost money due to negligence or carelessness, is a breakthrough - says Ma\u0142gorzata Anisimowicz, president of PMR Restrukturyzacje SA. - These people have been excluded so far, deprived of the possibility of constructively exiting the debt spiral and returning to society, normal life, and thus deprived of the chance to improve. We estimate that in Poland from the possibility of consumer bankruptcy<\/a> should be used by up to 50,000 people per year. In Germany, the figure is 100,000.<\/p>\n<\/div>\n

Last year with consumer bankruptcy<\/a> in Poland, 5.5 thousand people used it. This is very little compared to the real needs and popularity of such solutions throughout Europe. Consumer bankruptcy<\/a> It is primarily intended to give the opportunity to return to normal life and legal work to people who, due to their debts, live on the margins, in the grey zone, do not pay taxes, do not have health insurance and are hiding from enforcement proceedings and creditors.<\/p>\n

The material appeared on advcawbiznesie.pl:
\n<\/b>
\n6 June 2018:
\n\" Consumer bankruptcy also for those who are guilty of their situation, for people with no assets at once, with longer time to pay back<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Upad\u0142o\u015b\u0107 konsumencka tak\u017ce dla winnych swojej sytuacji, dla os\u00f3b bez maj\u0105tku od razu, z d\u0142u\u017cszym czasem na sp\u0142at\u0119. To mo\u017ce by\u0107 prze\u0142om w odd\u0142u\u017caniu ludzi bez szans na uregulowanie przedawnionych zobowi\u0105za\u0144 oraz w statystykach os\u00f3b korzystaj\u0105cych z takich mo\u017cliwo\u015bci w Polsce. Prace nad nowelizacj\u0105 ustawy o upad\u0142o\u015bci konsumenckiej zak\u0142adaj\u0105 olbrzymie udogodnienia dla os\u00f3b, kt\u00f3re znalaz\u0142y si\u0119 w pu\u0142apce d\u0142ug\u00f3w \u2013 t\u0142umacz\u0105 eksperci. Trzy najwi\u0119ksze zmiany w ustawie o upad\u0142o\u015bciach konsumenckich, kt\u00f3ra funkcjonuje od zaledwie dw\u00f3ch lat w nowej formie, to przyznanie mo\u017cliwo\u015bci ubiegania si\u0119 o pomoc w odd\u0142u\u017ceniu przez osoby prywatne nieprowadz\u0105ce dzia\u0142alno\u015bci gospodarczej, kt\u00f3re znalaz\u0142y si\u0119 w z\u0142ej sytuacji finansowej z powodu w\u0142asnego \u201era\u017c\u0105cego niedbalstwa\u201d, czyli z w\u0142asnej winy, wyd\u0142u\u017cenie czasu sp\u0142aty zobowi\u0105za\u0144 do 7 lat oraz szybka \u015bcie\u017cka decyzji o przyznaniu upad\u0142o\u015bci konsumenckiej dla os\u00f3b bez maj\u0105tku, b\u0119d\u0105cych np. na utrzymaniu rodziny. \u2013 – Obj\u0119cie instytucj\u0105 upad\u0142o\u015bci konsumenckiej os\u00f3b, kt\u00f3re same s\u0105 winne swej fatalnej sytuacji finansowej, pope\u0142ni\u0142y b\u0142\u0119dy, nabra\u0142y kredyt\u00f3w, wyda\u0142y lub straci\u0142y pieni\u0105dze przez zaniedbania czy nieostro\u017cno\u015b\u0107, to prze\u0142om \u2013 m\u00f3wi Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA.\u2013 Ci ludzie do tej pory byli wykluczeni, pozbawieni mo\u017cliwo\u015bci konstruktywnego wyj\u015bcia ze spirali zad\u0142u\u017cenia i powrotu do spo\u0142ecze\u0144stwa, normalnego \u017cycia, a tym samym pozbawiono ich szansy na popraw\u0119. Szacujemy, \u017ce w Polsce z mo\u017cliwo\u015bci upad\u0142o\u015bci konsumenckiej powinno korzysta\u0107 nawet 50 tys. os\u00f3b rocznie. W Niemczech to poziom 100 tys. W zesz\u0142ym roku z upad\u0142o\u015bci konsumenckiej w Polsce skorzysta\u0142o 5,5 tys. os\u00f3b. To bardzo niewiele w por\u00f3wnaniu do realnych potrzeb oraz popularno\u015bci tego typu rozwi\u0105za\u0144 w ca\u0142ej Europie. Upad\u0142o\u015b\u0107 konsumencka ma przede wszystkim da\u0107 mo\u017cliwo\u015b\u0107 powrotu do normalnego \u017cycia, legalnej pracy osobom, kt\u00f3re z racji swoich d\u0142ug\u00f3w \u017cyj\u0105 na marginesie, w szarej strefie, nie p\u0142ac\u0105 podatk\u00f3w, nie maj\u0105 ubezpiecze\u0144 zdrowotnych i ukrywaj\u0105 si\u0119 przed egzekucjami oraz wierzycielami. Materia\u0142 ukaza\u0142 si\u0119 w serwisie doradcawbiznesie.pl: dnia 6 czerwca 2018: \u00bb Upad\u0142o\u015b\u0107 konsumencka tak\u017ce dla winnych swojej sytuacji, dla os\u00f3b bez maj\u0105tku od razu, z d\u0142u\u017cszym czasem na sp\u0142at\u0119<\/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-5839","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\/5839","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=5839"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5839\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5839"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}