{"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. Zdaniem ekspert\u00f3w ich liczba powinna by\u0107 jednak przynajmniej kilkukrotnie wi\u0119ksza. Pom\u00f3c mo\u017ce w tym zmiana przepis\u00f3w umo\u017cliwiaj\u0105ca og\u0142oszenie upad\u0142o\u015bci tak\u017ce osobom, kt\u00f3re popad\u0142y w tarapaty finansowe ze swojej winy. Upad\u0142o\u015b\u0107 konsumencka wbrew powszechnej opinii nie jest post\u0119powaniem, w kt\u00f3rym syndyk puszcza d\u0142u\u017cnika w skarpetkach. To zaspokojenie wierzycieli i druga szansa dla konsumenta \u2013 podkre\u015blaj\u0105 eksperci. \u2013 Skala upad\u0142o\u015bci konsumenckiej narasta wr\u0119cz lawinowo. Od czasu zmiany przepis\u00f3w og\u0142oszono ju\u017c kilka tysi\u0119cy post\u0119powa\u0144, obecnie og\u0142asza si\u0119 ju\u017c prawie dwadzie\u015bcia post\u0119powa\u0144 dziennie \u2013 m\u00f3wi agencji informacyjnej Newseria Biznes Maciej Roch Pietrzak, wiceprezes PMR Restrukturyzacje. Z danych Centralnego O\u015brodka Informacji Gospodarczej wynika, \u017ce od stycznia do ko\u0144ca czerwca 2018 roku z upad\u0142o\u015bci konsumenckiej skorzysta\u0142o ponad 3,2 tys. os\u00f3b (2,7 tys. rok wcze\u015bniej). W skali roku b\u0119dzie ich prawdopodobnie ponad 6,5 tys. przy 5,5 tys. w 2017 roku, co oznacza wzrost o 17,8 proc. Mimo tej imponuj\u0105cej dynamiki w por\u00f3wnaniu do kraj\u00f3w Europy Zachodniej, gdzie rocznie og\u0142asza si\u0119 kilkadziesi\u0105t tysi\u0119cy upad\u0142o\u015bci, to wci\u0105\u017c niewiele. \u2013 Upad\u0142o\u015b\u0107 konsumencka to narz\u0119dzie pozwalaj\u0105ce d\u0142u\u017cnikom uwolni\u0107 si\u0119 od spirali d\u0142ug\u00f3w, w kt\u00f3r\u0105 popadli z ro\u017cnych przyczyn. W takiej sytuacji ustawodawca dopu\u015bci\u0142 rozwi\u0105zanie prawne pozwalaj\u0105ce na odd\u0142u\u017cenie takiej osoby po to, aby ona wr\u00f3ci\u0142a do normalnego obiegu gospodarczego, aby nie by\u0142a w szarej strefie i w przysz\u0142o\u015bci mog\u0142a normalnie pracowa\u0107, zarabia\u0107, a nie jak to si\u0119 dzia\u0142o w latach poprzednich, ukrywa\u0107 si\u0119 przed komornikiem przez lata \u2013 t\u0142umaczy Maciej Roch Pietrzak. Upad\u0142o\u015b\u0107 konsumencka zosta\u0142a wprowadzona w \u017cycie ju\u017c w 2009 roku, jednak pocz\u0105tkowo \u2013 ze wzgl\u0119du na obostrzenia \u2013 rocznie korzysta\u0142o z niej zaledwie kilkadziesi\u0105t os\u00f3b. Dopiero od 2015 roku liczba post\u0119powa\u0144 ro\u015bnie. Od tego czasu skorzysta\u0142o z niej oko\u0142o 14 tys. os\u00f3b. Ze wzgl\u0119du na liberalizacj\u0119 przepis\u00f3w d\u0142u\u017cnik\u00f3w, kt\u00f3rzy zdecyduj\u0105 si\u0119 na taki krok, powinno by\u0107 zdecydowanie wi\u0119cej. \u2013 Kolejne nowelizacje, kt\u00f3re maj\u0105 by\u0107 wprowadzone w \u017cycie, dodatkowo jeszcze te post\u0119powania udra\u017cniaj\u0105, m.in. po to, aby s\u0105dy by\u0142y w stanie ich wi\u0119cej przeprowadza\u0107. Tak\u017ce po to, by z tego rozwi\u0105zania mog\u0142y skorzysta\u0107 osoby, kt\u00f3re maj\u0105 trudno\u015bci ze skorzystaniem z obs\u0142ugi prawnej lub popad\u0142y w zad\u0142u\u017cenie z jakich\u015b konkretnych przyczyn, do tej pory niepozwalaj\u0105cych og\u0142osi\u0107 upad\u0142o\u015bci konsumenckiej \u2013 wskazuje wiceprezes PMR Restrukturyzacje. Materia\u0142 ukaza\u0142 si\u0119 w serwisie infor.pl: dnia 30 lipca 2018: \u00bb Upad\u0142o\u015b\u0107 konsumencka coraz popularniejsza<\/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-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"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_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}]}}