{"id":6050,"date":"2024-07-16T11:00:11","date_gmt":"2024-07-16T09:00:11","guid":{"rendered":"http:\/\/pmr-restrukturyzacje2.local\/?p=2520"},"modified":"2025-04-16T13:46:36","modified_gmt":"2025-04-16T13:46:36","slug":"how-can-i-get-funds-for-housing-in-the-event-of-the-sale-of-real-estate-in-bankruptcy-proceedings","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-can-i-get-funds-for-housing-in-the-event-of-the-sale-of-real-estate-in-bankruptcy-proceedings\/","title":{"rendered":"How can I get housing funds if I sell my property in bankruptcy? \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>When declaring bankruptcy, you should take into account that all your assets will be liquidated.<\/strong>, i.e. sale, and the funds that will be obtained in this way will be used to cover the costs of bankruptcy proceedings and satisfy the claims of creditors. The sale concerns in particular real estate owned by the debtor. We often come across the view that people interested in bankruptcy are convinced that it is impossible to sell a share in real estate or have heard the view that the trustee is obliged to provide the bankrupt with alternative premises.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bc7q26gt-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bc7q26gt-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bc7q26gt{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bc7q26gt:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bc7q26gt{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bc7q26gt\" data-fancy-class=\"zwt-vlfgb-bc7q26gt\" href=\"https:\/\/www.youtube.com\/shorts\/ON8EEXY47lo\" class=\"video-thumbnail zwt-vlfgb-bc7q26gt\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/user04.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 should be clearly stated that shares in real estate<\/strong> they are subject to normal turnover and there are no contraindications to their sale, especially during <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=\"17\">bankruptcy proceedings<\/a>. As for the second belief, it should also be pointed out that it is incorrect. No regulations oblige the trustee to do so, because after the sale of the bankrupt&#039;s real estate, he provided some kind of replacement premises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Losing a house or apartment is a serious blow and yet another problem to worry about, keeping people in debt awake at night.<\/strong> The obvious and understandable approach is the desire to keep the property at all costs. This is often the reason why people in debt delay declaring bankruptcy and, wanting to keep a roof over their heads, fall into a debt spiral. During bankruptcy proceedings, you should expect certain restrictions and adjust your expenses to the income that will be at the bankrupt&#039;s disposal, because part of the income may be seized for <a href=\"https:\/\/pmrsa.pl\/en\/10-things-worth-knowing-about-consumer-bankruptcy\/\" data-wpil-monitor-id=\"760\">the property of the bankruptcy estate<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Experiencing the loss of a home or apartment<\/strong> and facing the necessity of renting another place, while limiting the income received, the whole situation seems extremely difficult and gives rise to many negative emotions. Nevertheless, there are regulations that will make it much easier for you to rent another place. The legislator has provided for the possibility of separating the funds obtained from the sale of the property in which you live during bankruptcy proceedings, funds for renting another apartment in the same or neighboring town for a period of up to 24 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To receive such funds, it is necessary to submit an application and provide appropriate justification. We will be happy to support you in these steps to ensure your peace of mind.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Og\u0142aszaj\u0105c upad\u0142o\u015bciowym nale\u017cy liczy\u0107 si\u0119 z tym, \u017ce ca\u0142y posiadany maj\u0105tek ulegnie likwidacji, czyli sprzeda\u017cy, a \u015brodki kt\u00f3re zostan\u0105 w ten spos\u00f3b uzyskane zostan\u0105 przeznaczone na pokrycie koszt\u00f3w post\u0119powania upad\u0142o\u015bciowego i zaspokojenie roszcze\u0144 wierzycieli. Sprzeda\u017c dotycz zw\u0142aszcza posiadanych przez d\u0142u\u017cnika nieruchomo\u015bci. Cz\u0119sto spotykamy si\u0119 z pogl\u0105dem, zgodnie z kt\u00f3rym osoby zainteresowane upad\u0142o\u015bci\u0105, s\u0105 przekonane, i\u017c nie da si\u0119 sprzeda\u0107 udzia\u0142u w nieruchomo\u015bci lub zas\u0142yszeli pogl\u0105d, \u017ce syndyk ma obowi\u0105zek zapewni\u0107 upad\u0142emu lokal zast\u0119pczy. Nale\u017cy wyra\u017anie zaznaczy\u0107, i\u017c udzia\u0142y w nieruchomo\u015bciach podlegaj\u0105 normalnemu obrotowi i nie ma przeciwwskaza\u0144 do ich zbycia, tym bardziej w toku post\u0119powania upad\u0142o\u015bciowego. Co do drugiego przekonania, r\u00f3wnie\u017c nale\u017cy wskaza\u0107, i\u017c jest ono b\u0142\u0119dne. \u017badne przepisy nie obliguj\u0105 syndyka do tego, bo po sprzeda\u017cy nieruchomo\u015bci upad\u0142ego, zapewnia\u0142 jakikolwiek lokal zast\u0119pczy. Utrata domu czy mieszkania to powa\u017cny cios i kolejny k\u0142opot do zmartwie\u0144, kt\u00f3ry sp\u0119dza sen z powiek osobom zad\u0142u\u017conym. Oczywistym i zrozumia\u0142ym podej\u015bciem jest ch\u0119\u0107 zachowania nieruchomo\u015bci za wszelk\u0105 cen\u0119. Cz\u0119sto jest to pow\u00f3d, dla kt\u00f3rego osoby zad\u0142u\u017cone zwlekaj\u0105 z og\u0142oszeniem upad\u0142o\u015bci i chc\u0105c zachowa\u0107 dach nad g\u0142ow\u0105 popadaj\u0105 w spirale zad\u0142u\u017cenia. W czasie trwania post\u0119powania upad\u0142o\u015bciowego nale\u017cy liczy\u0107 si\u0119 z pewnymi ograniczeniami i dostosowa\u0107 swoje wydatki do dochod\u00f3w, kt\u00f3re zostan\u0105 upad\u0142emu do dyspozycji, bowiem cz\u0119\u015b\u0107 dochod\u00f3w mo\u017ce zosta\u0107 zaj\u0119ta na rzecz masy upad\u0142o\u015bci. Do\u015bwiadczaj\u0105c utraty domu czy mieszkania i stoj\u0105c r\u00f3wnocze\u015bnie przed konieczno\u015bci\u0105 wynaj\u0119cia innego lokum, przy r\u00f3wnoczesnym ograniczeniu otrzymywanych dochod\u00f3w, ca\u0142a sytuacja jawi si\u0119 jako niezwykle trudna i rodz\u0105ca wiele negatywnych emocji. Niemniej jednak istniej\u0105 przepisy, kt\u00f3re znacznie u\u0142atwi\u0105 Tobie wynaj\u0119cie innego lokum. Ustawodawca przewidzia\u0142 mo\u017cliwo\u015b\u0107 wydzielenia za \u015brodk\u00f3w uzyskanych ze sprzeda\u017cy nieruchomo\u015bci, w kt\u00f3rej zamieszkujesz w trakcie post\u0119powania upad\u0142o\u015bciowego, \u015brodk\u00f3w na wynajem innego mieszkania w tej samej miejscowo\u015bci lub s\u0105siedniej na okres do 24 miesi\u0119cy. Aby otrzyma\u0107 takie \u015brodki, konieczne jest z\u0142o\u017cenie wniosku i odpowiednie jego uzasadnienie. Ch\u0119tnie wesprzemy Ciebie w tych krokach, by zapewni\u0107 Ci spok\u00f3j.<\/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-6050","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\/6050","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=6050"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6050\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6050"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}