{"id":6048,"date":"2024-07-16T10:59:42","date_gmt":"2024-07-16T08:59:42","guid":{"rendered":"http:\/\/pmr-restrukturyzacje2.local\/?p=2516"},"modified":"2025-04-16T13:45:17","modified_gmt":"2025-04-16T13:45:17","slug":"how-to-declare-consumer-bankruptcy","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-to-declare-consumer-bankruptcy\/","title":{"rendered":"How to declare consumer bankruptcy? \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Declaring consumer bankruptcy involves a court procedure,<\/strong> Hence, the conditions to be fulfilled are described in detail in the law, more specifically in Part Three, Title V of the Bankruptcy Act. This act regulates against whom and under what circumstances a non-business individual may be declared bankrupt, as well as what specific information must be included in a bankruptcy petition in order for it to be processed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is important that the bankruptcy application is complete, then you can count on a faster examination of the case, and at the same time you will avoid the return of the application. In addition, a comprehensively prepared application will facilitate and speed up <a href=\"https:\/\/pmrsa.pl\/en\/has-rescued-companies-in-slovakia-and-is-now-breaking-with-the-syndication-work-convention\/\" data-wpil-monitor-id=\"1689\">work for the trustee<\/a> at the stage of the actual bankruptcy proceedings.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bcjdfxr-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bcjdfxr-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bcjdfxr{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bcjdfxr:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bcjdfxr{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bcjdfxr\" data-fancy-class=\"zwt-vlfgb-bcjdfxr\" href=\"https:\/\/www.youtube.com\/shorts\/qL9hXaKDh5g\" class=\"video-thumbnail zwt-vlfgb-bcjdfxr\" 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>It is also important how <a href=\"https:\/\/pmrsa.pl\/en\/whether-an-employee-can-file-for-bankruptcy-of-the-employer\/\" data-wpil-monitor-id=\"1067\">bankruptcy petition<\/a> can be submitted.<\/strong> Indeed, in 2021, the National Register of Debtors (KRZ), an ICT system for bankruptcy and restructuring proceedings, was introduced. All pleadings relating to insolvency proceedings, including court decisions declaring bankruptcy, are now issued in this system. Also, all correspondence circulation (with few exceptions) is done using this system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In order to be able to use <a href=\"https:\/\/pmrsa.pl\/en\/the-national-debt-register-does-not-work-efficiently\/\" data-wpil-monitor-id=\"625\">National Register of Indebted Persons<\/a> you must have a user account. Importantly, a debtor who wants to take advantage of the act and file for bankruptcy can do so not only using the aforementioned system, but also in a traditional way - i.e. by <a href=\"https:\/\/pmrsa.pl\/en\/does-filing-a-bankruptcy-petition-suspend-enforcement\/\" data-wpil-monitor-id=\"1068\">Submitting an application<\/a> at the court&#039;s registry office or via traditional mail. However, setting up an account in the KRZ will be necessary if the court has already issued a decision to announce <a href=\"https:\/\/pmrsa.pl\/en\/does-filing-for-bankruptcy-suspend-enforcement-2\/\" data-wpil-monitor-id=\"1147\">bankruptcy<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Our experienced advisors will help you at every stage and prepare for you <a href=\"https:\/\/pmrsa.pl\/en\/can-a-creditor-file-for-bankruptcy-of-debtor-2\/\" data-wpil-monitor-id=\"1066\">bankruptcy petition<\/a> in accordance with applicable regulations and based on many years of experience, thanks to which you will avoid the return of your application.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Declaring personal bankruptcy involves a court proceeding, therefore the conditions that must be met are described in detail in the law, specifically in Part Three, Title V of the Bankruptcy Law. This act regulates who can be declared bankrupt and under what circumstances a natural person not conducting business activity can be declared bankrupt, as well as what specific information must be included in a bankruptcy petition for it to be processed. It is important that the bankruptcy petition is complete; this will allow for a faster review of the case and, at the same time, will prevent the petition from being returned. Furthermore, a comprehensively prepared petition will facilitate and expedite the work of the trustee during the actual bankruptcy proceedings. The manner in which a bankruptcy petition can be filed is also crucial. In 2021, the National Debt Register (KRZ) was introduced \u2013 an IT system for handling bankruptcy and restructuring proceedings. All procedural documents related to bankruptcy proceedings, including court decisions declaring bankruptcy, are currently issued in this system. All correspondence (with a few exceptions) also takes place via this system. To use the National Debt Register, you must have a user account. Importantly, a debtor wishing to take advantage of the Act and file for bankruptcy can do so not only through the aforementioned system but also traditionally \u2013 by filing a motion at the court&#039;s registry office or by traditional mail. However, creating an account with the National Debt Register will be necessary if the court issues a bankruptcy order. Our experienced advisors will assist you at every stage and prepare your bankruptcy petition in accordance with applicable regulations and based on years of experience, helping you avoid having your application returned.<\/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],"tags":[],"ppma_author":[30],"class_list":["post-6048","post","type-post","status-publish","format-standard","hentry","category-upadlosc-konsumencka"],"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\/6048","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=6048"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6048\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6048"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}