\u00bb \u0411\u0430\u043d\u043a\u0440\u0443\u0442\u0441\u0442\u0432\u043e \u0441\u043f\u043e\u0436\u0438\u0432\u0430\u0447\u0456\u0432 \u0442\u0430\u043a\u043e\u0436 \u0434\u043b\u044f \u0442\u0438\u0445, \u0445\u0442\u043e \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u043b\u044c\u043d\u0438\u0439 \u0437\u0430 \u0441\u0432\u043e\u044e \u0441\u0438\u0442\u0443\u0430\u0446\u0456\u044e, \u0434\u043b\u044f \u043b\u044e\u0434\u0435\u0439 \u0431\u0435\u0437 \u0430\u043a\u0442\u0438\u0432\u0456\u0432 \u043d\u0435\u0433\u0430\u0439\u043d\u043e, \u0437 \u0434\u043e\u0432\u0448\u0438\u043c \u0447\u0430\u0441\u043e\u043c \u0434\u043b\u044f \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f<\/a><\/div>","protected":false},"excerpt":{"rendered":"Upad\u0142o\u015b\u0107 konsumencka tak\u017ce dla winnych swojej sytuacji, dla os\u00f3b bez maj\u0105tku od razu, z d\u0142u\u017cszym czasem na sp\u0142at\u0119. To mo\u017ce by\u0107 prze\u0142om w odd\u0142u\u017caniu ludzi bez szans na uregulowanie przedawnionych zobowi\u0105za\u0144 oraz w statystykach os\u00f3b korzystaj\u0105cych z takich mo\u017cliwo\u015bci w Polsce. Prace nad nowelizacj\u0105 ustawy o upad\u0142o\u015bci konsumenckiej zak\u0142adaj\u0105 olbrzymie udogodnienia dla os\u00f3b, kt\u00f3re znalaz\u0142y si\u0119 w pu\u0142apce d\u0142ug\u00f3w \u2013 t\u0142umacz\u0105 eksperci. Trzy najwi\u0119ksze zmiany w ustawie o upad\u0142o\u015bciach konsumenckich, kt\u00f3ra funkcjonuje od zaledwie dw\u00f3ch lat w nowej formie, to przyznanie mo\u017cliwo\u015bci ubiegania si\u0119 o pomoc w odd\u0142u\u017ceniu przez osoby prywatne nieprowadz\u0105ce dzia\u0142alno\u015bci gospodarczej, kt\u00f3re znalaz\u0142y si\u0119 w z\u0142ej sytuacji finansowej z powodu w\u0142asnego \u201era\u017c\u0105cego niedbalstwa\u201d, czyli z w\u0142asnej winy, wyd\u0142u\u017cenie czasu sp\u0142aty zobowi\u0105za\u0144 do 7 lat oraz szybka \u015bcie\u017cka decyzji o przyznaniu upad\u0142o\u015bci konsumenckiej dla os\u00f3b bez maj\u0105tku, b\u0119d\u0105cych np. na utrzymaniu rodziny. \u2013 – Obj\u0119cie instytucj\u0105 upad\u0142o\u015bci konsumenckiej os\u00f3b, kt\u00f3re same s\u0105 winne swej fatalnej sytuacji finansowej, pope\u0142ni\u0142y b\u0142\u0119dy, nabra\u0142y kredyt\u00f3w, wyda\u0142y lub straci\u0142y pieni\u0105dze przez zaniedbania czy nieostro\u017cno\u015b\u0107, to prze\u0142om \u2013 m\u00f3wi Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA.\u2013 Ci ludzie do tej pory byli wykluczeni, pozbawieni mo\u017cliwo\u015bci konstruktywnego wyj\u015bcia ze spirali zad\u0142u\u017cenia i powrotu do spo\u0142ecze\u0144stwa, normalnego \u017cycia, a tym samym pozbawiono ich szansy na popraw\u0119. Szacujemy, \u017ce w Polsce z mo\u017cliwo\u015bci upad\u0142o\u015bci konsumenckiej powinno korzysta\u0107 nawet 50 tys. os\u00f3b rocznie. W Niemczech to poziom 100 tys. W zesz\u0142ym roku z upad\u0142o\u015bci konsumenckiej w Polsce skorzysta\u0142o 5,5 tys. os\u00f3b. To bardzo niewiele w por\u00f3wnaniu do realnych potrzeb oraz popularno\u015bci tego typu rozwi\u0105za\u0144 w ca\u0142ej Europie. Upad\u0142o\u015b\u0107 konsumencka ma przede wszystkim da\u0107 mo\u017cliwo\u015b\u0107 powrotu do normalnego \u017cycia, legalnej pracy osobom, kt\u00f3re z racji swoich d\u0142ug\u00f3w \u017cyj\u0105 na marginesie, w szarej strefie, nie p\u0142ac\u0105 podatk\u00f3w, nie maj\u0105 ubezpiecze\u0144 zdrowotnych i ukrywaj\u0105 si\u0119 przed egzekucjami oraz wierzycielami. Materia\u0142 ukaza\u0142 si\u0119 w serwisie doradcawbiznesie.pl: dnia 6 czerwca 2018: \u00bb Upad\u0142o\u015b\u0107 konsumencka tak\u017ce dla winnych swojej sytuacji, dla os\u00f3b bez maj\u0105tku od razu, z d\u0142u\u017cszym czasem na sp\u0142at\u0119<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","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":[30],"class_list":["post-5839","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"zespolpmr-%d0%bf%d0%b5%d1%80%d0%b5%d0%b1%d1%83%d0%b4%d0%be%d0%b2%d0%b0-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\/uk\/wp-json\/wp\/v2\/posts\/5839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/comments?post=5839"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/posts\/5839\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/media?parent=5839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/categories?post=5839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/tags?post=5839"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/uk\/wp-json\/wp\/v2\/ppma_author?post=5839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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