{"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>Og\u0142oszenie upad\u0142o\u015bci konsumenckiej wi\u0105\u017ce si\u0119 z procedur\u0105 s\u0105dow\u0105, st\u0105d te\u017c warunki jakie nale\u017cy spe\u0142ni\u0107 s\u0105 szczeg\u00f3\u0142owo opisane w przepisach prawa, [&hellip;]<\/p>\n","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 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