{"id":5845,"date":"2018-08-03T09:31:29","date_gmt":"2018-08-03T07:31:29","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-coraz-popularniejsza\/"},"modified":"2018-08-03T09:31:29","modified_gmt":"2018-08-03T07:31:29","slug":"consumer-bankruptcy-is-becoming-more-and-more-popular","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-is-becoming-more-and-more-popular\/","title":{"rendered":"Consumer bankruptcy increasingly popular"},"content":{"rendered":"

Already 18 people file for consumer bankruptcy in Poland every day. Several thousand people decide to take this step every year. According to experts, however, their number should be at least several times higher. The change in regulations enabling the declaration of bankruptcy<\/a> also to people who got into financial trouble through no fault of their own. Consumer bankruptcy<\/a> contrary to popular opinion, it is not a procedure in which the trustee lets the debtor off the hook. It is a satisfaction of creditors and a second chance for the consumer - experts emphasize.<\/p>\n

- The scale of consumer bankruptcy is growing like an avalanche. Since the change in regulations, several thousand proceedings have been announced, currently almost twenty proceedings are announced daily - Maciej Roch Pietrzak, vice president of PMR, tells the Newseria Biznes news agency Restructuring<\/a>.<\/div>\n

According to the data from the Central Economic Information Centre, from January to the end of June 2018 consumer bankruptcy<\/a> more than 3.2 thousand people used it (2.7 thousand a year earlier). In the scale of the year, there will probably be more than 6.5 thousand, compared to 5.5 thousand in 2017, which means an increase of 17.8 percent. Despite this impressive dynamics in comparison to Western European countries, where several dozen thousand bankruptcies are announced annually, still not much<\/a>.<\/p>\n

- Consumer bankruptcy<\/a> is a tool that allows debtors to free themselves from the debt spiral they have fallen into for various reasons. In such a situation, the legislator has allowed a legal solution that allows for the debt relief of such a person so that they return to normal economic circulation, so that they are not in grey zone<\/a> and in the future she could work normally, earn money, and not, as was the case in previous years, hide from the bailiff for years \u2013 explains Maciej Roch Pietrzak.<\/div>\n

Consumer bankruptcy<\/a> It was introduced in 2009, but initially \u2013 due to restrictions \u2013 only a few dozen people used it each year. It is only since 2015 that the number of proceedings has been growing. Since then, around 14 thousand people have used it. Due to the liberalisation of regulations, there should be significantly more debtors who decide to take such a step.<\/p>\n

- The next amendments that are to be implemented will additionally make these proceedings more manageable, among other things, so that courts can conduct more of them. Also, so that people who have difficulties in using legal services or have fallen into debt for some specific reasons that have not allowed them to announce them so far can benefit from this solution. bankruptcy<\/a> consumer \u2013 indicates the vice-president of PMR Restrukturyzacje.<\/div>\n
The material appeared on infor.pl:
\n<\/b>
\n30 July 2018:
\n\" Consumer bankruptcy increasingly popular<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Ju\u017c 18 os\u00f3b dziennie sk\u0142ada w Polsce wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105. Rocznie na taki krok decyduje si\u0119 kilka tysi\u0119cy os\u00f3b. […]<\/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-5845","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\/5845","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=5845"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5845\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5845"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5845"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5845"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5845"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}