{"id":6051,"date":"2024-07-16T11:00:32","date_gmt":"2024-07-16T09:00:32","guid":{"rendered":"http:\/\/pmr-restrukturyzacje2.local\/?p=2522"},"modified":"2025-04-16T13:42:04","modified_gmt":"2025-04-16T13:42:04","slug":"how-can-i-get-rid-of-debts-2","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-can-i-get-rid-of-debts-2\/","title":{"rendered":"How can I get rid of debt? \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>The mere issuing of a bankruptcy order by the court does not yet mean that the debts have been discharged. <\/strong>In order for your debts to be discharged in bankruptcy proceedings, it is necessary to conduct bankruptcy proceedings, during which the exact amount of your debts as at the date of the bankruptcy declaration is established and your assets are sold. Then, depending on the mode of bankruptcy proceedings, slightly different steps are taken. The majority of bankruptcy proceedings are conducted according to the so-called simplified procedure, in which the trustee prepares a draft plan for repayment of creditors or a proposal for waiver of liabilities without setting up a repayment plan.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bcm0ling-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bcm0ling-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bcm0ling{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bcm0ling:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bcm0ling{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bcm0ling\" data-fancy-class=\"zwt-vlfgb-bcm0ling\" href=\"https:\/\/www.youtube.com\/watch?v=YnlHbj6iq5Q\" class=\"video-thumbnail zwt-vlfgb-bcm0ling\" 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 reflects information about the amount of your liabilities, the degree of culpability in the creation of the debt,<\/strong> the manner in which the funds collected during the proceedings for the benefit of creditors are to be divided, and it is also determined to what extent your liabilities are to be written off. However, this is not a binding document for the Court, and you do not have to agree to the trustee&#039;s proposal. Importantly, the Court may write off your liabilities without establishing a repayment plan for creditors, or write them off only after you have completed a specific repayment plan. In special situations, the Court may decide on conditional write-off of liabilities, which involves a five-year wait for the actual <a href=\"https:\/\/pmrsa.pl\/en\/how-can-i-get-rid-of-my-debts\/\" data-wpil-monitor-id=\"1528\">getting rid of debts<\/a>. Sounds complicated? And it is for people who do not deal professionally with bankruptcy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fight for your future. Let us draw up a position on the draft creditors' repayment plan for you. <\/strong>However, if your proceedings are conducted according to the so-called general procedure - before your liabilities are written off, the trustee will draw up a distribution plan(s) for the funds obtained from the liquidation of your assets. Once these have been executed <a href=\"https:\/\/pmrsa.pl\/en\/the-court-dismissed-the-restructuring-proceedings-against-hawe\/\" title=\"\">The court shall declare the termination of the proceedings<\/a>. To <a href=\"https:\/\/pmrsa.pl\/en\/debts-that-might-not-have-been\/\" data-wpil-monitor-id=\"1389\">your debts could be written off<\/a>, it is your responsibility to submit an application for debt relief or to establish a creditor repayment plan within a specified time - do not miss it if you want to be free from debt. With our <a href=\"https:\/\/pmrsa.pl\/en\/how-can-i-get-help-with-the-restructuring-process\/\" data-wpil-monitor-id=\"1922\">help you get through this process<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>You don't know according to which mode your proceedings are conducted - take advantage of our free consultation to determine this.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Remember that the order on the creditors' repayment plan is subject to a complaint,<\/strong> or even an appeal in cassation. These are avenues you can use if the Court's decision does not properly take into account your financial capacity.<br><br>If the problems described above apply to you, do not hesitate to contact us.<\/p>","protected":false},"excerpt":{"rendered":"<p>The mere issuance of a bankruptcy order by the court does not mean that your debts are discharged. For debts to be discharged in bankruptcy proceedings, bankruptcy proceedings must be conducted, during which the exact amount of your liabilities as of the date of bankruptcy is declared, and your assets are sold. Subsequently, depending on the type of bankruptcy proceedings, slightly different steps are taken. Most bankruptcy proceedings are conducted under the so-called simplified procedure, in which the trustee prepares a draft repayment plan or a proposal for debt discharge without establishing a repayment plan. This reflects information about the amount of your liabilities, the degree of fault in the debt, the manner in which funds collected during the proceedings are to be distributed to creditors, and the extent of your debt discharge is determined. However, this is not a binding document for the court, and you do not have to agree to the trustee&#039;s proposal. Importantly, the court may discharge your liabilities without establishing a repayment plan, or discharge them only after you have completed a specified repayment plan. In special situations, the court may order conditional debt relief, which requires a five-year waiting period for actual debt discharge. Sounds complicated? And it is for those not professionally involved in bankruptcy. Fight for your future. We can prepare a draft creditor repayment plan for you. However, if your proceedings are conducted under the so-called general procedure, before your debts are discharged, the trustee will prepare a plan(s) for the distribution of the proceeds obtained from the liquidation of your assets. After these are completed, the court will declare the proceedings closed. For your debts to be discharged, you are obligated to submit a motion for debt relief or to establish a creditor repayment plan within a specified timeframe \u2013 don&#039;t miss this if you want to be debt-free. With our help, you will navigate this process. If you don&#039;t know which procedure your proceedings are being conducted under, take advantage of our free consultation to determine this. Remember that the decision on the creditor repayment plan is subject to appeal, or even a cassation appeal. These are the avenues you can pursue if the court&#039;s decision doesn&#039;t properly consider your financial capacity. If you are experiencing the issues described above, don&#039;t hesitate to contact us.<\/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-6051","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\/6051","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=6051"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6051\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6051"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}