{"id":6047,"date":"2024-07-16T10:59:26","date_gmt":"2024-07-16T08:59:26","guid":{"rendered":"http:\/\/pmr-restrukturyzacje2.local\/?p=2514"},"modified":"2025-05-19T15:43:23","modified_gmt":"2025-05-19T15:43:23","slug":"how-to-deal-with-debt","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-to-deal-with-debt\/","title":{"rendered":"How to deal with debt? \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Instant loans, a consumer loan, an out-of-bank loan, unpaid instalments or an overdraft limit - against all appearances, this is the reality for many people.<\/strong> Several million Poles are drowning in debt, living in constant stress and fear for their future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debts can build up really quickly, and getting out of them can take years. Despite this, it is important to remember that this is not a hopeless situation. There are certain ways to get out of debt. It is not a quick process, it requires a consistent approach and <a href=\"https:\/\/pmrsa.pl\/en\/restructuring-with-professional-support\/\" data-wpil-monitor-id=\"2093\">professional support<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bcx8q8io-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bcx8q8io-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bcx8q8io{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bcx8q8io:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bcx8q8io{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bcx8q8io\" data-fancy-class=\"zwt-vlfgb-bcx8q8io\" href=\"https:\/\/www.youtube.com\/shorts\/0k3PWVCAdCk\" class=\"video-thumbnail zwt-vlfgb-bcx8q8io\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/user04-1.jpg\" alt=\"pmr-restructuring\" title=\"\"><svg viewbox=\"0 0 24 24\" class=\"play-icon\" width=\"30\"><g><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 22C17.5228 22 22 17.5228 22 12C22 6.47715 17.5228 2 12 2C6.47715 2 2 6.47715 2 12C2 17.5228 6.47715 22 12 22ZM10.6935 15.8458L15.4137 13.059C16.1954 12.5974 16.1954 11.4026 15.4137 10.941L10.6935 8.15419C9.93371 7.70561 9 8.28947 9 9.21316V14.7868C9 15.7105 9.93371 16.2944 10.6935 15.8458Z\" fill=\"currentColor\"><\/path> <\/g><\/svg><\/a><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The signal that should be the first to make anyone think about disposing of their assets<\/strong> is the point at which one loses the ability to settle financial obligations on an ongoing basis. A delay in payment directly leads to an increase in debt, as it automatically results in interest being charged on late payments. In this way, it sometimes only takes a moment to lose control of one's finances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are many reasons for late payments, with job loss, accident, illness or rising interest rates standing out as the most common. The sooner you start planning tailored measures and gradually implement them, the better the chance of recovering your cash flow, without much damage. There are several ways to get out of debt. There is no no way out - the right approach and actions are capable of freeing you from huge debts that are unmanageable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We will provide you with an in-depth analysis of your situation<\/strong> and suggest whether declaring bankruptcy is a good option for you, or whether perhaps there are other tools that will be better suited to your needs.<\/p>","protected":false},"excerpt":{"rendered":"<p>Payday loans, consumer loans, non-bank loans, unpaid installments, or overdrafts \u2013 contrary to appearances, this is the reality for many people. Several million Poles are drowning in debt, living with constant stress and anxiety about their future. Debts can accumulate quickly, and getting out of them can take years. Despite this, it&#039;s important to remember that this isn&#039;t a hopeless situation. There are ways to get out of debt. It&#039;s not a quick process; it requires a consistent approach and professional support. The first sign that should prompt everyone to consider managing their assets is the moment they lose the ability to meet their financial obligations on an ongoing basis. Late payments directly lead to increased debt, automatically triggering interest on late payments. Thus, even a moment is enough to lose control of one&#039;s finances. The causes of late payments are numerous, with job loss, accident, illness, or rising interest rates being the most common. The sooner you start planning and gradually implementing tailored actions, the greater your chance of regaining financial liquidity without significant damage. There are several ways to get out of debt. There are no hopeless situations \u2013 the right approach and actions can free you from massive, unrealistic debts. We will prepare a thorough analysis of your situation and advise you whether declaring bankruptcy is a good solution for you, or whether there are other options that might better suit your needs.<\/p>","protected":false},"author":12,"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":[24,59],"tags":[],"ppma_author":[30],"class_list":["post-6047","post","type-post","status-publish","format-standard","hentry","category-upadlosc-konsumencka","category-windykacje"],"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\/6047","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=6047"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6047\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6047"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}