{"id":6081,"date":"2024-08-29T09:16:00","date_gmt":"2024-08-29T07:16:00","guid":{"rendered":"https:\/\/pmrsa.pl\/?p=2899"},"modified":"2025-05-31T06:04:45","modified_gmt":"2025-05-31T06:04:45","slug":"how-to-check-your-debts","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/how-to-check-your-debts\/","title":{"rendered":"How do you check your debts?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Has it happened that a bailiff knocks on your door and tries to sell your assets?<\/strong> Or maybe you are being harassed by debt collection companies? Sometimes such companies will contact you out of the blue and you will not know what to do. It may happen that you forget about your debt and the creditors will not remind you, but will immediately take legal action or debt collection. Below we present how to effectively <a href=\"https:\/\/pmrsa.pl\/en\/liabilities-and-arrears-to-the-tax-authorities\/\" data-wpil-monitor-id=\"10\">check your debt and what to do<\/a>to avoid such unpleasant surprises.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-spis-tresci\"><strong>Contents:<\/strong><br><br><\/h4>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/a><\/li><li><a href=\"#aioseo-skad-biora-sie-dlugim-o-ktorych-nie-wiesz\">Where do debts come from that you don&#039;t know about?<\/a><\/li><li><a href=\"#aioseo-jak-sprawdzic-czy-posiadasz-dlugi\">How to check if you have debts?<\/a><\/li><li><a href=\"#aioseo-jak-sprawdzic-swoje-dlugi-w-bik-biuro-informacji-kredytowej\">How to check your debts in BIK \u2013 Credit Information Bureau<\/a><\/li><li><a href=\"#aioseo-jak-sprawdzic-swoje-dlugi-w-big-biuro-informacji-gospodarczej\">How to check your debts in BIG \u2013 Economic Information Office<\/a><\/li><li><a href=\"#aioseo-sprawdzenie-czy-dlugi-nie-trafily-na-gielde-dlugow\">Checking whether the debts have not been placed on the debt exchange<\/a><\/li><li><a href=\"#aioseo-warto-kontrolowac-swoje-postepowania-w-krajowym-rejestrze-zadluzonych\">It is worth monitoring your actions in the National Register of Debtors<\/a><\/li><li><a href=\"#aioseo-jak-sprawdzic-zadluzenie-innej-osoby-fizycznej\">How to check the debt of another individual?<\/a><\/li><li><a href=\"#aioseo-jak-to-zrobic\">How to do it?<\/a><\/li><li><a href=\"#aioseo-podsumowanie\">Summary<\/a><\/li><\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/08\/Jak-sprawdzic-swoje-zadluzenie.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-skad-biora-sie-dlugim-o-ktorych-nie-wiesz\"><strong>Where do the debts you don't know about come from?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Anyone can find themselves in a situation where they are unaware of their debt.<\/strong> These debts can arise for a variety of reasons - from old fines to unpaid subscriptions to financial fraud. This is why it is a good idea to regularly check the status of your debts. So that you can react quickly and protect yourself from an unexpected reaction from your creditors.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-sprawdzic-czy-posiadasz-dlugi\"><strong>How do you find out if you have debts?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>As mentioned above, it is a good idea to check your debts regularly to avoid financial problems.<\/strong> In an age of widespread access to financial services and frequent automation of transfer payments in banking systems, it is easy to forget to pay some obligation, even for a token sum, which over time can grow to a size that we cannot cope with. It can also happen that it is the authorities who make a mistake, and it is we who suffer the consequences. This is why checking your debt regularly is so important and helps us to act preventively before the debt grows to an amount that will be a problem for us.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-sprawdzic-swoje-dlugi-w-bik-biuro-informacji-kredytowej\"><strong>How to check your debts with BIK - Credit Information Bureau<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Credit Information Bureau collects information on credit history<\/strong> based on bank data and <a href=\"https:\/\/pmrsa.pl\/en\/companies-undergoing-restructuring-have-difficulty-obtaining-credit\/\" title=\"\">companies <\/a>parabanks. It is an essential tool by which we will be able to check whether we have any maturing liabilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>You should first register on the BIK website<\/strong> and order your credit report. Once you have received your report, it is important to take note of all your debts, especially those you have forgotten about or did not know existed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regular checking of BIK reports is therefore crucial if unpleasant surprises are to be avoided.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>You can also use the BIK Alert system,<\/strong> which will send information about new BIK enquiries about us to our phone or e-mail on an ongoing basis. This can tell us who is interested in us and why.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-sprawdzic-swoje-dlugi-w-big-biuro-informacji-gospodarczej\"><strong>How to check your debts with BIG - Business Information Bureau<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Economic Information Bureau holds data on the debts of individuals and companies.<\/strong> In the case of consumers, in order for a debt to be placed in BIG without a court judgment, the debt must be at least PLN 200 at the time of entry and be due for 30 days. The BIG report may contain data from the BIK as well as information from the <a href=\"https:\/\/pmrsa.pl\/en\/a-system-that-destroys-polish-companies\/\" title=\"\">The Banking System Committee run by the Polish Bank Association<\/a>. If an individual appears in these databases, information will appear in the report:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Summary of business information - all information on repaid and unpaid debts;<\/li>\n\n\n\n<li>Information from data in other databases - BIK and ZBP;<\/li>\n\n\n\n<li>Negative business information in the BIG InfoMonitor database - creditor identification data and details of the data provided by the creditor, such as the legal title, enforcement title number, adjudicating authority, date of issue of the title, amount of arrears, details of the statute of limitations;<\/li>\n\n\n\n<li>Positive business information in the BIG InfoMonitor database - identification data of the creditor and details of the data provided by the creditor such as the amount of the liability, the amount of the instalment. Repaid with a delay of less than 10 or 60 days, date of payment, date of fulfilment;<\/li>\n\n\n\n<li>Information about enquiries in the BIG InfoMonitor database;<\/li>\n\n\n\n<li>System information on enquiries<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-sprawdzenie-czy-dlugi-nie-trafily-na-gielde-dlugow\"><strong>Checking that debts have not gone to the debt exchange<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Debt exchanges are places where creditors put unpaid debts up for sale. Checking whether our debts have been listed on a debt exchange will help us to identify an unknown liability and prevent it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To do this, go to a debt exchange website such as Krajowa Gie\u0142da D\u0142ug\u00f3w and search the site by your name or PESEL number.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-warto-kontrolowac-swoje-postepowania-w-krajowym-rejestrze-zadluzonych\"><strong>It is worth monitoring your dealings with the National Debt Register<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Visiting <a href=\"https:\/\/pmrsa.pl\/en\/the-national-debt-register-does-not-work-efficiently\/\" data-wpil-monitor-id=\"635\">National Register of Indebted Persons<\/a> will help us find out if there are any restructuring or bankruptcy proceedings pending against us. Please note that <a href=\"https:\/\/pmrsa.pl\/en\/can-a-creditor-file-for-bankruptcy-of-debtor-2\/\" data-wpil-monitor-id=\"1172\">a bankruptcy petition may also be filed by a creditor in addition to the debtor<\/a>. Checking the KRZ will allow us to exercise our rights if our creditor files a bankruptcy petition against us.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-sprawdzic-zadluzenie-innej-osoby-fizycznej\"><strong>How do I check the debt of another individual?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For the security of transactions between individuals, we may come to the conclusion that we should check the financial situation of our counterparty before acting. Unlike checking one's own debt, checking another person's can be more complicated and requires compliance with the law. This can be done after obtaining consent from that person in order to act transparently and within the limits of the law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We can also - as in the case of checking one's debt - use the notice board of the National <a href=\"https:\/\/pmrsa.pl\/en\/the-debt-register-counts-failure-after-failure-he-had-help-but-there-are-many-problems\/\" title=\"\">Register of Debtors<\/a>. There we will find information on whether there are restructuring or bankruptcy proceedings against these persons. The relevant institutions can also provide us with the information we need if we demonstrate a relevant legal interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The most common case where people need to check the debt of another individual is when they rent a flat or other space. With the consent of potential tenants, we can check the financial credibility of prospective tenants through business information offices.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-to-zrobic\"><strong>How to do it?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing a contract, be it a flat lease or any other contract, it is worth checking our counterparty's financial credibility. We will do this in a few steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Drawing up a debt verification consent document and having it signed by the person concerned. Such a document should clearly state for what purpose it is issued and should include a directory of institutions\/business offices that will provide information on the financial situation<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Submission of an application to the relevant institutions such as BIG or BIK together with a signed consent document<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Awaiting a response - institutions will review the application submitted and, if there are no deficiencies, provide debt information and credit reports.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-podsumowanie\"><strong>Summary<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Forgotten debts can pose a real threat to our financial situation. They can arise for a variety of reasons.<\/strong> We may forget to pay an instalment of some obligation or fall victim to financial fraud. Whatever the reason, it is worth checking databases on a regular basis to see if we have any outstanding debts that we did not know about or were not aware of. This will help us avoid unpleasant surprises in the form of bailiffs or debt collectors knocking on our door and help us protect our assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Czy zdarzy\u0142o si\u0119, \u017ce komornik puka do Twoich drzwi i pr\u00f3buje sprzeda\u0107 Tw\u00f3j maj\u0105tek? A mo\u017ce n\u0119kaj\u0105 Ci\u0119 firmy windykacyjne? Zdarza si\u0119, \u017ce takie firmy odezw\u0105 si\u0119 do Ciebie znienacka i nie b\u0119dziesz wiedzia\u0142 co wtedy zrobi\u0107. Mo\u017ce zdarzy\u0107 si\u0119, \u017ce zapomnisz o swoim d\u0142ugu, a wierzyciele nie b\u0119d\u0105 si\u0119 przypomina\u0107, tylko od razu wejd\u0105 na drog\u0119 s\u0105dow\u0105 b\u0105d\u017a windykacj\u0119. Poni\u017cej przedstawiamy, jak skutecznie sprawdzi\u0107 swoje zad\u0142u\u017cenie i co zrobi\u0107, aby unika\u0107 takich przykrych niespodzianek. Spis tre\u015bci: Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Sk\u0105d bior\u0105 si\u0119 d\u0142ugim o kt\u00f3rych nie wiesz? Ka\u017cdy mo\u017ce znale\u017a\u0107 si\u0119 w sytuacji, w kt\u00f3rej jest nie\u015bwiadomy swojego zad\u0142u\u017cenia. Te d\u0142ugi mog\u0105 powsta\u0107 z r\u00f3\u017cnych powod\u00f3w \u2013 od dawnych mandat\u00f3w, przez niezap\u0142acony abonament po oszustwa finansowe. Dlatego w\u0142a\u015bnie warto regularnie sprawdza\u0107 stan swojego zad\u0142u\u017cenia. Aby m\u00f3c szybko reagowa\u0107 i uchroni\u0107 si\u0119 przed niespodziewan\u0105 reakcj\u0105 wierzycieli. Jak sprawdzi\u0107, czy posiadasz d\u0142ugi? Jak ju\u017c wy\u017cej wspomnieli\u015bmy, warto regularnie sprawdza\u0107 swoje zad\u0142u\u017cenie, aby unikn\u0105\u0107 problem\u00f3w finansowych. W dobie szerokiego dost\u0119pu do us\u0142ug finansowych i cz\u0119stej automatyzacji p\u0142atno\u015bci przelew\u00f3w w systemach bankowych, \u0142atwo jest zapomnie\u0107 o zap\u0142acie jakiego\u015b zobowi\u0105zania, nawet na symboliczn\u0105 sum\u0119, kt\u00f3ra z czasem mo\u017ce urosn\u0105\u0107 do wielko\u015bci, z kt\u00f3r\u0105 nie b\u0119dziemy w stanie sobie poradzi\u0107. Mo\u017ce si\u0119 te\u017c zdarzy\u0107, \u017ce to urz\u0119dy pope\u0142ni\u0105 b\u0142\u0105d, a to my b\u0119dziemy ponosi\u0107 konsekwencje. W\u0142a\u015bnie dlatego regularne sprawdzanie swojego zad\u0142u\u017cenia jest tak istotne i pomaga nam dzia\u0142a\u0107 prewencyjnie, zanim d\u0142ug uro\u015bnie do kwoty, kt\u00f3ra b\u0119dzie stanowi\u0107 dla nas problem. Jak sprawdzi\u0107 swoje d\u0142ugi w BIK \u2013 Biuro Informacji Kredytowej Biuro informacji Kredytowej gromadzi informacje o historii kredytowej na podstawie danych bank\u00f3w oraz firm parabankowych. Jest to podstawowe narz\u0119dzie, dzi\u0119ki kt\u00f3remu b\u0119dziemy mogli sprawdzi\u0107, czy posiadamy jakie\u015b wymagalne zobowi\u0105zania. W pierwszej kolejno\u015bci nale\u017cy zarejestrowa\u0107 si\u0119 na stronie BIK i zam\u00f3wi\u0107 raport kredytowy swojej osoby. Po otrzymaniu raportu nale\u017cy zwr\u00f3ci\u0107 uwag\u0119 na wszystkie zobowi\u0105zania, a w szczeg\u00f3lno\u015bci te, o kt\u00f3rych zapomnieli\u015bmy, czy te\u017c nie wiedzieli\u015bmy o ich istnieniu. Regularne sprawdzanie raport\u00f3w BIK jest wi\u0119c kluczowe, je\u015bli chcemy unikn\u0105\u0107 nieprzyjemnych niespodzianek. Mo\u017cna r\u00f3wnie\u017c skorzysta\u0107 z systemu Alert\u00f3w BIK, kt\u00f3re na bie\u017c\u0105co b\u0119d\u0105 przesy\u0142a\u0107 na nasz telefon b\u0105d\u017a e-mail informacje o nowych zapytaniach BIK na nasz temat. To mo\u017ce nam powiedzie\u0107, kto si\u0119 nami interesuje i dlaczego. Jak sprawdzi\u0107 swoje d\u0142ugi w BIG \u2013 Biuro Informacji Gospodarczej Biuro Informacji Gospodarczej przechowuje dane o zad\u0142u\u017ceniach os\u00f3b fizycznych oraz firm. W przypadku konsument\u00f3w, aby mo\u017cna by\u0142o umie\u015bci\u0107 d\u0142ug w BIG bez wyroku s\u0105du, d\u0142ug musi w momencie wpisu wynosi\u0107 co najmniej 200 z\u0142 i by\u0107 wymagalny od 30 dni. Raport BIG mo\u017ce zawiera\u0107 dane z BIK jak r\u00f3wnie\u017c informacje z Systemu Bankowego prowadzonego przez Zwi\u0105zek Bank\u00f3w Polskich. Je\u015bli osoba fizyczna widnieje w tych bazach, w raporcie pojawi\u0105 si\u0119 informacje: Sprawdzenie, czy d\u0142ugi nie trafi\u0142y na gie\u0142d\u0119 d\u0142ug\u00f3w Gie\u0142dy d\u0142ug\u00f3w to miejsca, w kt\u00f3rych wierzyciele wystawiaj\u0105 niezap\u0142acone zobowi\u0105zania na sprzeda\u017c. Sprawdzanie, czy nasze d\u0142ugi nie trafi\u0142y na gie\u0142d\u0119 pomo\u017ce nam w identyfikacji nieznanego zobowi\u0105zania i prewencji. Aby to zrobi\u0107, nale\u017cy wej\u015b\u0107 na stron\u0119 gie\u0142dy d\u0142ug\u00f3w, takich jak Krajowa Gie\u0142da D\u0142ug\u00f3w oraz przeszuka\u0107 stron\u0119 po swoim nazwisku b\u0105d\u017a numerze PESEL. Warto kontrolowa\u0107 swoje post\u0119powania w Krajowym Rejestrze Zad\u0142u\u017conych Odwiedzanie Krajowego Rejestru zad\u0142u\u017conych pomo\u017ce nam dowiedzie\u0107 si\u0119, czy nie tocz\u0105 si\u0119 wobec nas post\u0119powania restrukturyzacyjne czy te\u017c upad\u0142o\u015bciowe. Nale\u017cy pami\u0119ta\u0107, \u017ce wniosek upad\u0142o\u015bciowy poza d\u0142u\u017cnikiem mo\u017ce r\u00f3wnie\u017c z\u0142o\u017cy\u0107 wierzyciel. Sprawdzanie KRZ pozwoli nam skorzysta\u0107 z naszych praw, je\u015bli nasz wierzyciel z\u0142o\u017cy wniosek upad\u0142o\u015bciowy w stosunku do nas. Jak sprawdzi\u0107 zad\u0142u\u017cenie innej osoby fizycznej? Dla bezpiecze\u0144stwa transakcji mi\u0119dzy osobami fizycznymi, mo\u017cemy doj\u015b\u0107 do wniosku, aby przed dokonaniem czynno\u015bci sprawdzi\u0107 sytuacj\u0119 finansow\u0105 naszego kontrahenta. W przeciwie\u0144stwie do sprawdzenia w\u0142asnego zad\u0142u\u017cenia, sprawdzenie innej osoby mo\u017ce by\u0107 bardziej skomplikowane i wymaga przestrzegania przepis\u00f3w prawa. Mo\u017cna to zrobi\u0107 po uzyskaniu o tej osoby zgody, aby dzia\u0142a\u0107 w spos\u00f3b przejrzysty i w granicach prawa. Mo\u017cemy r\u00f3wnie\u017c \u2013 tak jak w przypadku sprawdzenia swojego zad\u0142u\u017cenia \u2013 skorzysta\u0107 z tablicy obwieszcze\u0144 Krajowego Rejestru Zad\u0142u\u017conych. Znajdziemy tam informacje, czy s\u0105 prowadzone wobec tych os\u00f3b post\u0119powania restrukturyzacyjne lub upad\u0142o\u015bciowe. Odpowiednie instytucje mog\u0105 r\u00f3wnie\u017c udost\u0119pni\u0107 nam informacje, kt\u00f3rych potrzebujemy, je\u015bli wyka\u017cemy odpowiedni interes prawny. Najcz\u0119stszym przypadkiem, kiedy osoby potrzebuj\u0105 sprawdzi\u0107 zad\u0142u\u017cenie innej osoby prywatnej jest przypadek wynaj\u0119cia mieszkania b\u0105d\u017a innej powierzchni. Za zgod\u0105 potencjalnych najemc\u00f3w mo\u017cemy sprawdzi\u0107 wiarygodno\u015b\u0107 finansow\u0105 potencjalnych najemc\u00f3w za po\u015brednictwem biur informacji gospodarczej. Jak to zrobi\u0107? Przed podpisaniem umowy, czy to najmu mieszkania, czy te\u017c ka\u017cdej innej umowy warto sprawdzi\u0107 naszego kontrahenta pod k\u0105tem wiarygodno\u015bci finansowej. Zrobimy to w kilku krokach: Podsumowanie Zapomniane d\u0142ugi mog\u0105 stanowi\u0107 realne zagro\u017cenie dla naszej sytuacji finansowej. Mog\u0105 one wynika\u0107 z r\u00f3\u017cnych powod\u00f3w. Mo\u017cemy zapomnie\u0107 o zap\u0142acie raty jakiego\u015b zobowi\u0105zania b\u0105d\u017a pa\u015b\u0107 ofiar\u0105 oszustwa finansowego. Bez znaczenia dla powodu, warto regularnie sprawdza\u0107 bazy danych, kt\u00f3re poka\u017c\u0105 nam, czy nie mamy wymagalnego zad\u0142u\u017cenia, o kt\u00f3rym nie wiedzieli\u015bmy, b\u0105d\u017a nie byli\u015bmy \u015bwiadomi, \u017ce jeszcze istnieje. To pomo\u017ce nam unikn\u0105\u0107 nieprzyjemnych niespodzianek w postaci komornik\u00f3w b\u0105d\u017a windykator\u00f3w pukaj\u0105cych do naszych drzwi oraz pomo\u017ce nam uchroni\u0107 nasz maj\u0105tek.<\/p>","protected":false},"author":15,"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":[19],"tags":[],"ppma_author":[34],"class_list":["post-6081","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":34,"user_id":15,"is_guest":0,"slug":"d-anisimowiczpmr-restructuring-pl","display_name":"Daniel Anisimowicz","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6081","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\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=6081"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/6081\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=6081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=6081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=6081"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}