{"id":6052,"date":"2024-07-16T11:00:44","date_gmt":"2024-07-16T09:00:44","guid":{"rendered":"http:\/\/pmr-restrukturyzacje2.local\/?p=2524"},"modified":"2025-04-16T13:50:00","modified_gmt":"2025-04-16T13:50:00","slug":"whether-my-income-must-be-seized-by-the-receiver","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/whether-my-income-must-be-seized-by-the-receiver\/","title":{"rendered":"Does my income have to be seized by a trustee? \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>According to the applicable regulations, the bankruptcy estate includes the assets of the bankrupt acquired also during the course of the proceedings. <\/strong>Such assets include, for example, remuneration for work. As a general rule, it is subject to seizure up to the amount of half of the salary, except that the amount not subject to seizure is the minimum wage. If the bankrupt has a maintenance obligation, then the salary may be seized up to the amount of 60% of the salary.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bcpcc61p-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bcpcc61p-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bcpcc61p{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bcpcc61p:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bcpcc61p{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bcpcc61p\" data-fancy-class=\"zwt-vlfgb-bcpcc61p\" href=\"https:\/\/www.youtube.com\/shorts\/svLTyeOYkME\" class=\"video-thumbnail zwt-vlfgb-bcpcc61p\" 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>If the pension benefit is drawn, 25% of the benefit is seized, with the non-seizable amount being 75% of the minimum benefit (gross amount).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>At the same time, bankruptcy law spells out,<\/strong> that the part of the insolvent's income which, together with the income excluded from the insolvency estate according to the rules set out above, corresponds to the insolvency estate is also not included in the insolvency estate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>in the case where the bankrupt has no dependents - the amount of PLN 1164.00,<\/li>\n\n\n\n<li>where the bankrupt has other dependants, an amount calculated according to the formula:<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>PLN 900 * (number of dependants of the bankrupt +1)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>e.g. when the bankrupt has 3 dependents, the income free from seizure is PLN 3600.00.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you have already been declared bankrupt and the trustee seizes your income,<\/strong> and the amount left over for you is not sufficient to cover the necessary expenses of your household, you have the chance to negotiate the amounts that are deducted for you. You can make the application yourself or with <a href=\"https:\/\/pmrsa.pl\/en\/with-the-help-of-an-advisor-the-company-will-get-back-on-track\/\" title=\"\">with the help of our advisors<\/a>who deal with this on a daily basis and know what the Courts look for in such cases. Benefit from our knowledge and experience.<\/p>","protected":false},"excerpt":{"rendered":"<p>Zgodnie z obowi\u0105zuj\u0105cymi przepisami w sk\u0142ad masy upad\u0142o\u015bci wchodzi maj\u0105tek upad\u0142ego nabyty tak\u017ce w trakcie trwania post\u0119powania. Za taki maj\u0105tek nale\u017cy uzna\u0107 chocia\u017cby wynagrodzenie za prac\u0119. Wed\u0142ug og\u00f3lnej zasady zaj\u0119ciu podlega ono do wysoko\u015bci po\u0142owy wynagrodzenia, z tym \u017ce kwota niepodlegaj\u0105ca zaj\u0119ciu stanowi minimalne wynagrodzenia za prac\u0119. W przypadku, gdy na upad\u0142ym ci\u0105\u017cy zobowi\u0105zanie alimentacyjne, w\u00f3wczas wynagrodzenie mo\u017ce zosta\u0107 zaj\u0119te do wysoko\u015bci 60% wynagrodzenia. W przypadku pobierania \u015bwiadczenia emerytalnego zajmowane jest 25% \u015bwiadczenia, z tym \u017ce kwota niepodlegaj\u0105ca zaj\u0119ciu stanowi 75% \u015bwiadczenia minimalnego (kwoty brutto). Jednocze\u015bnie prawo upad\u0142o\u015bciowe zakre\u015bla, i\u017c do masy upad\u0142o\u015bci nie wchodzi tak\u017ce cz\u0119\u015b\u0107 dochodu upad\u0142ego, kt\u00f3ra \u0142\u0105cznie z dochodami wy\u0142\u0105czonymi z masy upad\u0142o\u015bci wg zasad okre\u015blonych powy\u017cej odpowiada: 900 z\u0142 * (liczba os\u00f3b na utrzymaniu upad\u0142ego +1) np. gdy upad\u0142y ma na utrzymaniu 3 osoby, to doch\u00f3d wolny od zaj\u0119cia wynosi 3600,00 z\u0142. Je\u015bli masz ju\u017c og\u0142oszon\u0105 upad\u0142o\u015b\u0107 i syndyk zajmuje Twoje dochody, a pozostaj\u0105ca dla Ciebie kwota nie jest wystarczaj\u0105ca, by pokry\u0107 niezb\u0119dne wydatki Twojego gospodarstwa domowego, masz szans\u0119 na negocjacj\u0119 kwot jakie s\u0105 Tobie potr\u0105cane. Wniosek mo\u017cesz z\u0142o\u017cy\u0107 sam lub z pomoc\u0105 naszych doradc\u00f3w, kt\u00f3rzy zajmuj\u0105 si\u0119 tym na co dzie\u0144 i wiedz\u0105 na co S\u0105dy zwracaj\u0105 uwag\u0119 w takich sprawach. Skorzystaj z naszej wiedzy i do\u015bwiadczenia.<\/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-6052","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\/6052","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=6052"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6052\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6052"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}