{"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 […]<\/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-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"},"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\/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}]}}