{"id":5863,"date":"2019-03-26T14:00:00","date_gmt":"2019-03-26T13:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-seniorzy-maja-problem\/"},"modified":"2019-03-26T14:00:00","modified_gmt":"2019-03-26T13:00:00","slug":"consumer-bankruptcy-seniors-have-a-problem","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-seniors-have-a-problem\/","title":{"rendered":"Consumer bankruptcy - seniors have a problem"},"content":{"rendered":"

The biggest problem with applying for debt relief is for people over 60. BIK and BIG infoMonitor data from the last 3 years shows that the trend is slowly changing - in UK applications from 2015 to the end of 2018, the proportion of over 56s has increased from 32 to 39 per cent. What is the reason for older people's reluctance to UK? Why are they not making applications to the courts despite critical financial problems?<\/p>\n

Specialists consumer bankruptcy PMR Restructuring<\/a> SA indicate that the vast majority of older people, today's retirees, who for various reasons have fallen into serious financial trouble, hide this fact from friends and family, if possible. Most of them also still do not understand how the institution works consumer bankruptcy<\/a> and how to use it. The third barrier is filling out the UK application, which contains a lot of difficult legal terms, and collecting the documentation necessary to present the current state of your debt.<\/p>\n

- Shame, a complicated application and disbelief in the success of the process are the biggest enemies of older people in need
\n\u2013 comments Joanna Nowicka, specialist in consumer bankruptcy at PMR Restructuring<\/a> SA. \u2013 Older people will do anything to hide their debts. They struggle to pay all their bills on time, selling everything they can, and borrowing from usurious companies, parabanks, only deepening their problems \u2013 adds Joanna Nowicka.<\/p>\n<\/div>\n

According to most experts, in order for the entire process of restoring people to normal life, getting them out of the situation of hiding from debt collectors and bailiffs to work efficiently, human understanding, empathy and support are needed throughout the entire process of applying for consumer bankruptcy<\/a>. This human dimension is difficult to define by law and is most often satisfied by the closest relatives and restructuring advisors, lawyers, and people who mediate in carrying out this process.<\/p>\n

\u2013 In addition to the continuous liberalization of regulations and the reduction of the court application fee to PLN 30, the legislator eliminates further barriers limiting access to UK institutions for those most in need \u2013 explains Ma\u0142gorzata Anisimowicz, president of the PMR Restructuring<\/a> SA.<\/div>\n
The material appeared on portalspozywczy.pl:
\n<\/b>
\n26 March 2019:
\n\" Seniors have a problem with consumer bankruptcy<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Najwi\u0119kszy problem z ubieganiem si\u0119 o umorzenie d\u0142ug\u00f3w maj\u0105 osoby powy\u017cej 60 roku \u017cycia. Dane BIK i BIG infoMonitor z ostatnich 3 lat wskazuj\u0105, \u017ce trend powoli ulega zmianie \u2013 we wnioskach o UK od 2015 do ko\u0144ca 2018 zwi\u0119kszy\u0142 si\u0119 z 32 do 39 proc. udzia\u0142 os\u00f3b po 56 roku \u017cycia. Z czego wynika niech\u0119\u0107 os\u00f3b starszych do UK? Dlaczego nie zg\u0142aszaj\u0105 si\u0119 do s\u0105d\u00f3w z wnioskami mimo krytycznych problem\u00f3w finansowych? Specjali\u015bci upad\u0142o\u015bci konsumenckiej PMR Restrukturyzacje SA wskazuj\u0105, \u017ce zdecydowana wi\u0119kszo\u015b\u0107 os\u00f3b starszych, dzisiejszych emeryt\u00f3w, kt\u00f3rzy z r\u00f3\u017cnych przyczyn popadli w powa\u017cne k\u0142opoty finansowe, ukrywa ten fakt przed znajomymi i rodzin\u0105, o ile to mo\u017cliwe. Wi\u0119kszo\u015b\u0107 z nich tak\u017ce nadal nie rozumie, jak dzia\u0142a instytucja upad\u0142o\u015bci konsumenckiej i jak z niej skorzysta\u0107. Trzeci\u0105 barier\u0105 jest wype\u0142nienie wniosku o UK, kt\u00f3ry zawiera sporo trudnych prawniczych poj\u0119\u0107, oraz zebranie dokumentacji niezb\u0119dnej do przedstawienia obecnego stanu swojego zad\u0142u\u017cenia. \u2013 Wstyd, skomplikowany wniosek oraz niewiara w powodzenie procesu to najwi\u0119ksi wrogowie starszych os\u00f3b w potrzebie \u2013 komentuje sytuacj\u0119 Joanna Nowicka, specjalistka ds. upad\u0142o\u015bci konsumenckiej w PMR Restrukturyzacje SA.\u2013 Starsze osoby zrobi\u0105 naprawd\u0119 wszystko, aby ukry\u0107 swoje d\u0142ugi. Walcz\u0105 o p\u0142acenie wszystkich rachunk\u00f3w na czas, sprzedaj\u0105c wszystko, co si\u0119 da, i po\u017cyczaj\u0105c od lichwiarskich firm, parabank\u00f3w, pog\u0142\u0119biaj\u0105c tylko swoje problemy \u2013 dodaje Joanna Nowicka. Wed\u0142ug wi\u0119kszo\u015bci specjalist\u00f3w, aby ca\u0142y proces przywracania ludzi do normalnego \u017cycia, wyci\u0105gania ich z sytuacji ukrywania si\u0119 przed windykatorami i komornikami sprawnie dzia\u0142a\u0142, potrzebne s\u0105 ludzkie zrozumienie, empatia i wsparcie w trakcie ca\u0142ego procesu ubiegania si\u0119 o upad\u0142o\u015b\u0107 konsumenck\u0105. Ten ludzki wymiar trudny jest do okre\u015blenia przez ustaw\u0119 i najcz\u0119\u015bciej zaspokajany przez osoby najbli\u017csze oraz doradc\u00f3w restrukturyzacyjnych, prawnik\u00f3w, osoby, kt\u00f3re po\u015brednicz\u0105 w przeprowadzeniu tego procesu. \u2013 Ustawodawca opr\u00f3cz ci\u0105g\u0142ej liberalizacji przepis\u00f3w czy obni\u017cenia s\u0105dowej stawki wniosku do 30 z\u0142otych likwiduje kolejne bariery ograniczaj\u0105ce dost\u0119p do instytucji UK dla os\u00f3b najbardziej potrzebuj\u0105cych \u2013 t\u0142umaczy Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA. Materia\u0142 ukaza\u0142 si\u0119 w serwisie portalspozywczy.pl: dnia 26 marca 2019: \u00bb Seniorzy maj\u0105 problem z upad\u0142o\u015bci\u0105 konsumenck\u0105<\/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-5863","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\/5863","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=5863"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5863\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5863"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}