{"id":6030,"date":"2024-06-20T09:35:32","date_gmt":"2024-06-20T07:35:32","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=1682"},"modified":"2025-05-31T07:32:32","modified_gmt":"2025-05-31T07:32:32","slug":"consumer-bankruptcy-a-chance-for-a-new-start","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-a-chance-for-a-new-start\/","title":{"rendered":"Consumer bankruptcy - a chance for a fresh start"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>According to data published by the Central Economic Information Centre, 9184 people declared consumer bankruptcy in the first five months of 2024. This is the highest ever number of consumer bankruptcies in the history of the institution.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/0531.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>What do these figures mean and what can we expect?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Increasing number of consumer bankruptcies<\/strong> results primarily from the difficult economic situation of many consumers, who, having no other choice, reach for \u2013 as it may seem \u2013 last resort measures. The unabated inflation and <a href=\"https:\/\/pmrsa.pl\/en\/65-percent-of-companies-increased-prices-due-to-rising-energy-costs\/\" data-wpil-monitor-id=\"504\">rising prices<\/a> The lack of basic necessities means that many people cannot afford their current living expenses and, consequently, also the servicing of their liabilities, which are usually credits or bank loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>However, the latest data also shows,<\/strong> that consumers are increasingly aware of the debt relief tools at their disposal, including the possibility of opening a consumer insolvency procedure. Thanks to the solutions offered by <a href=\"https:\/\/pmrsa.pl\/en\/consumer-bankruptcy-the-number-of-bankruptcy-filings-is-growing\/\" title=\"\">bankruptcy consumers<\/a> can count on debt relief to free them from financial problems that could otherwise drag on for years with no guarantee of being freed from ongoing liabilities.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Why consumer bankruptcy?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Institution <a href=\"https:\/\/pmrsa.pl\/en\/10-things-worth-knowing-about-consumer-bankruptcy\/\" data-wpil-monitor-id=\"572\">consumer bankruptcy<\/a> has existed in Polish law for a long time,<\/strong> However, over the years, subsequent amendments to the bankruptcy law gradually made it easier for consumers to use this solution. An important moment in the history <a href=\"https:\/\/pmrsa.pl\/en\/does-filing-for-bankruptcy-suspend-enforcement-2\/\" data-wpil-monitor-id=\"1105\">bankruptcy<\/a> consumer law was March 2020, when the amendment to the bankruptcy law removed the limitation of the premise of possible guilt or gross negligence on the part of the debtor in causing insolvency. It was then that the liberalization of the regulations opened the door for the majority of society, which is clearly visible in the statistics <a href=\"https:\/\/pmrsa.pl\/en\/record-number-of-consumer-bankruptcies-in-2023-or-will-2024-bring-changes\/\" data-wpil-monitor-id=\"242\">consumer bankruptcies<\/a> over the last few years.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/image.png\" alt=\"This image has an empty alt attribute; its file name is proceedings-2015-2024.png\" class=\"wp-image-10765\" title=\"\" srcset=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/image.png 1024w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/image-300x225.png 300w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/image-768x576.png 768w, https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/06\/image-16x12.png 16w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">#image_title<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmrsa.pl\/en\/what-consumer-bankruptcy-does-not-cover\/\" data-wpil-monitor-id=\"911\">Consumer bankruptcy<\/a> is a complete tool,<\/strong> when it comes to resolving the financial difficulties of many people. First and foremost, the main premise of an individual's (consumer's) bankruptcy is that the individual is put into debt. This means that after the bankruptcy proceedings and possibly a repayment plan, the consumer is completely debased.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>It is also worth highlighting the fact,<\/strong> that, unlike the bankruptcy of business entities, <a href=\"https:\/\/pmrsa.pl\/en\/effects-of-concealment-of-information-having-a-significant-impact-on-pending-insolvency-proceedings-of-a-consumer-part-2\/\" data-wpil-monitor-id=\"21\">the consumer does not have to have sufficient funds to cover the costs<\/a> bankruptcy proceedings, which in the case of business bankruptcies is a frequent reason for dismissing a bankruptcy application. In the case of individuals, if there are no funds to cover the costs of bankruptcy proceedings, these costs are covered by the State Treasury.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In conclusion, the institution of consumer bankruptcy is a good solution<\/strong> for people in a difficult financial situation who see no possibility of repaying their debts. Thanks to consumer bankruptcy, people who have opted for this form of debt relief get the chance for a new start, a peaceful life without the fear that a bailiff or other enforcement authority will seize their bank account, part of their salary, or otherwise try to enforce enforcement of their assets.<\/p>","protected":false},"excerpt":{"rendered":"<p>According to data published by the Central Economic Information Center, 9,184 people declared consumer bankruptcy in the first five months of 2024. This is the highest number of consumer bankruptcies in the history of this institution to date. A few words about the article - Listen: What does this data mean and what can we expect? The growing number of consumer bankruptcies is primarily due to the difficult economic situation of many consumers, who, having no other option, are reaching for \u2013 seemingly \u2013 last resort measures. Unreduced inflation and rising prices of basic necessities mean that many people cannot afford to live on a daily basis and, consequently, service their debts, which are usually loans or bank advances. However, the latest data also indicates that consumers are increasingly aware of the debt relief tools available to them, including the possibility of initiating consumer bankruptcy proceedings. Thanks to the solutions offered by bankruptcy, consumers can count on debt relief, freeing themselves from financial problems that could otherwise drag on for years without guaranteeing freedom from burdensome obligations. Why consumer bankruptcy? The institution of consumer bankruptcy has existed in Polish law for a long time, but over the years, successive amendments to bankruptcy law have gradually facilitated consumer access to this solution. A significant moment in the history of consumer bankruptcy came in March 2020, when the amendment to bankruptcy law removed the restriction of the debtor&#039;s potential fault or gross negligence in causing insolvency. It was then that the liberalization of regulations opened the door for the majority of society, as clearly reflected in consumer bankruptcy statistics over recent years. Consumer bankruptcy is a comprehensive tool for resolving the difficult financial situation of many people. First and foremost, the main goal of bankruptcy for an individual (consumer) is debt relief. This means that after bankruptcy proceedings are completed and a repayment plan is implemented, the consumer is completely discharged. It is also worth emphasizing that, unlike business bankruptcy, the consumer does not need to have sufficient funds to cover the costs of bankruptcy proceedings, which is a common reason for dismissing a bankruptcy petition in the case of business bankruptcy. For individuals, if they lack the funds to cover the costs of bankruptcy proceedings, these costs are covered by the State Treasury. In summary, consumer bankruptcy is a good solution for those in financial difficulties who see no way to repay their debts. Thanks to consumer bankruptcy, individuals who choose this form of debt relief have the opportunity for a fresh start and a peaceful life without the fear of a bailiff or other enforcement body seizing their bank account, part of their salary, or attempting to enforce their assets in some other way.<\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","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":[34],"class_list":["post-6030","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":34,"user_id":15,"is_guest":0,"slug":"d-anisimowiczpmr-restructuring-pl","display_name":"Daniel Anisimowicz","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6030","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\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=6030"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6030\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6030"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6030"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6030"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6030"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}