{"id":6071,"date":"2024-08-05T10:56:04","date_gmt":"2024-08-05T08:56:04","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=2757"},"modified":"2025-05-19T15:36:25","modified_gmt":"2025-05-19T15:36:25","slug":"what-is-credit-restructuring","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/what-is-credit-restructuring\/","title":{"rendered":"What is credit restructuring?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">  <strong>Loan restructuring is a process aimed at modifying the terms of repayment<\/strong> existing credit commitment by adapting them to the borrower's current financial situation, particularly in the event of repayment difficulties or loss of ability to pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The restructuring of a loan may involve different directions of change, such as:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>extending the repayment period - which can reduce the monthly instalments.<\/li>\n\n\n\n<li>reducing the amount of the instalment - e.g. by changing the interest rate<\/li>\n\n\n\n<li>a change in the currency of the loan - if the loan was taken out in a foreign currency.<\/li>\n\n\n\n<li>write-off of part of the debt - in exceptional justified cases, the bank may decide to write off part of the debt.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where there are multiple loan commitments or other titles, the negotiation process can be difficult,<\/strong> It is therefore worthwhile to take advantage of the solutions offered by the restructuring law in the form of one of the four <a href=\"https:\/\/pmrsa.pl\/en\/wants-to-carry-out-a-simplified-restructuring-procedure\/\" title=\"\">proceedings <\/a>restructuring. Within such proceedings, it is possible to conduct comprehensive negotiations covering all creditors with the participation of an advisor <a href=\"https:\/\/pmrsa.pl\/en\/amendment-to-the-restructuring-agreement\/\"  data-wpil-monitor-id=\"1216\">restructuring and conclusion of a comprehensive agreement<\/a> adjusting the amount of monthly charges to the financial possibilities of the debtor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmrsa.pl\/en\/who-is-who-in-restructuring-and-bankruptcy-proceedings-part-1\/\" title=\"\">Restructuring proceedings<\/a> also allows a number of corrective actions to be taken<\/strong> of an internal nature contributing in the long term to the recovery of the borrower's situation. Importantly, the restructuring of debt (liabilities), can take place within the framework of a partial arrangement, i.e. we can restructure our debt and discuss restructuring only with a selected group of creditors such as financial creditors (Banks, Loan Funds, Leasing or others).<a href=\"https:\/\/pmrsa.pl\/en\/restructuring-advisor-new-legal-profession\/\" title=\"\">https:\/\/pmrsa.pl\/doradca-restrukturyzacyjny-nowy-zawod-prawniczy\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Restrukturyzacja kredytu to proces, kt\u00f3rego celem jest modyfikacja warunk\u00f3w sp\u0142aty istniej\u0105cego zobowi\u0105zania kredytowego poprzez ich dostosowanie do aktualnej sytuacji finansowej [&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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