pmrsa - PMR Restructuring

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The administrator of your personal data provided in the contact form is PMR Restrukturyzacje S.A. with its registered office in Warsaw. The personal data provided will be processed in order to respond to your enquiry. Information about your rights, the legal basis for processing your personal data and the period for which your data is stored "are located here.

PMRS

We have a solution to your problem. We cancel your debts.

Get some financial breathing space. You left Poland and your debts are growing? We will help you regain financial peace. Apply before it's too late.

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PMRS

Why it is worth acting IMMEDIATELY

The debt grows with each day of delay, so a quick response is key to avoiding additional costs and escalating problems. Act now.

Hundreds of satisfied customers

Successfully resolved cases

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Hundreds of satisfied customers, Successfully resolved cases 98%

Information about us

PMRSA is a trusted partner in getting out of debt, the mission of the office and the primary goal is to help our Clients in difficult life situations. Our Restructuring Advisors in cooperation with Experts in communication, finance and law offer professional support and effective solutions to your problems.

Free consultation

PMRS

What problems do we solve?

Debt Consultation and Analysis

We will examine your situation and identify the best solutions.

Negotiations with private and public creditors

We represent you in negotiations with tax offices, ZUS and other state institutions.

Debt restructuring

in court and extrajudicial proceedings

Preparation of applications for consumer bankruptcy

We provide comprehensive legal assistance throughout the entire process.

Consumer arrangements

An effective alternative to bankruptcy that allows you to preserve your assets.

Representation before courts and bailiffs

We care about protecting your interests.

PMRS

When the debt spiral gets out of control

We can help you stop this process and create a plan to get out of debt.

First consultation

We will analyze your financial situation free of charge to understand the causes and scale of your debt.

Collecting documents

Our support also includes assistance in completing the documentation needed to start the negotiation process with creditors.

Strategy Development

We will propose the most effective solutions for your debt. Our goal is to find an option that will provide you with financial stability without unnecessary burdens.

Implementation procedure

Once the action plan is accepted, we begin implementing the established schedule for debt settlement or cancellation.

Debtor Tutorial:

Cancel your debts

Free yourself from debt and enjoy life to the fullest. Here are some tips on how you can help yourself.

Financial situation analysis

• Make a list of all your commitments.
• Calculate your monthly income and expenses.
• Determine which debts are most urgent.

Negotiations with creditors

Contact your creditors and ask for:
• Debt payment in installments
• Deferment of payment deadline
• Partial write-off of interest or penalties

Concluding a settlement or mediation

• You can use a mediator or negotiator who will help you reach an agreement with your creditors.

Get help from a Restructuring Advisor

• The advisor will help you analyze your situation.
• In negotiations with creditors.
• In preparing a plan to get out of debt.
• In stopping the Bailiff's execution

Bankruptcy

• When debts cannot be repaid, consider filing for bankruptcy.
Consequences:
• Most of your debts will be written off.
Important:
• Bankruptcy is a comprehensive solution for the complete discharge of your debts.
• Bankruptcy is also a chance for a fresh start.

Explore stories
our customers

History Mr. Maciej

Mr. Maciej's story

Mr. Maciej's Story - From Great Ambitions to a New Beginning

Mr. Maciej has always had an entrepreneurial streak. In 2010, he decided to build something of his own – a transport company. Hard work, determination and great hopes allowed him to expand his business. He bought trucks, hired drivers, took out large loans and leases. Everything worked, the installments were paid on time, and the company grew stronger.

Everything was going according to plan… until
Years passed, business flourished, but life can be unpredictable. First the pandemic – sharp declines in orders, restrictions on transport. Then the war, rising fuel prices and huge uncertainty in the industry. Costs were rising faster than revenues, and liabilities began to weigh down the company.

Saving what we can
Mr. Maciej, a resourceful man, did not give up without a fight. He sold part of the fleet, reduced employment, and cut costs. But that still wasn't enough. Finally, he had to make the hardest decision of all – close the company.

Working Abroad, Life in Dilemma
Not wanting to leave any debts, he went abroad to earn money to pay off his debts. He worked outside Poland for part of the year, and when he returned, he took on various jobs in the country. He tried to pay off his debts, but the amounts were huge – interest and costs were growing faster than his earnings.

A fresh start thanks to consumer bankruptcy
While browsing the Internet, he came across our offer of help for those in debt. He decided to contact us, and after a thorough analysis of the situation, he made the only reasonable decision – declaring consumer bankruptcy.

Today, Mr. Maciej has been declared bankrupt and his liabilities are settled according to the repayment plan. He no longer lives in constant stress and fear of the next payment demand. He can again look to the future without fear.

If your story is similar to Mr. Maciej's, don't wait until the situation becomes even more difficult.

History Karola

Charles's Story

Karol's Story - From Escaping Debt to a New Life

Karol never planned to leave Poland permanently. When he got into debt, his first thought was simple: "I'll go abroad, earn money and pay it all off".

New life, old problems
At first he did work overtime, counting every penny, but life abroad turned out to be more friendly than he thought. He found a good job, an apartment, new friends… and finally built his “home” there. Debts in Poland? He pushed them aside – after all, no one came to him.

Letters he didn't open
Years passed. Karol had settled into his life, but deep down he still felt uneasy. He did not visit his parents and avoided returning to the country – he was afraid of bailiffs, huge interest rates and what might await him. Finally, wanting to meet with his family, he decided to check on his situation.

Finding a solution
He was looking for information on the Internet and came across our offer to help people in debt. He contacted us and we analyzed his case and proposed the best solution – consumer bankruptcy.

Today Karol has been declared bankrupt and is paying installments according to a realistic plan established by the court. He no longer has to fear returning to the country or sudden demands for payment. He gained peace and the ability to visit his loved ones without fear that someone would take everything away from him.

Do you have a similar story? Are you afraid of returning to your home country due to debts? Don't postpone the solution - we will help you.

History Mrs. Janeczki

Mrs. Janeczka's Story

Mrs. Janeczka's Story - From Crisis to New Life

Mrs. Janeczka always believed that "it will work out somehow." She had a good job, a mortgage, a beloved partner and dreams of a peaceful future. Then came the child - another stage in life that seemed to be the fulfillment of a plan.

But life likes to write its own scripts…

First she lost her job. At first, she thought she would quickly find something new, but with each month it became more difficult. Meanwhile, the loan payments were growing faster than she could have expected.

Then her partner left. She was left alone with a child, bills, and a growing debt. Letters from the bank began to arrive more and more frequently, and the debt collector would not leave her alone. Every knock on the door scared her.

It was then that she decided to seek help. She came to our office. She found us on FB, saw that she could get a free telephone consultation. We helped her analyze her situation thoroughly. After a joint analysis, she made a decision about the announcement consumer bankruptcy. Our experts prepared an application for Mrs. Janeczka to declare consumer bankruptcy.

After several months of bankruptcy proceedings sThe court established a repayment plan for Mrs. Janeczka that she was able to bear. Instead of the debts that paralyzed her life, she was given a new chance.

Today Mrs. Janeczka is starting over. She learned to consciously manage her finances, found a new job, and is slowly rebuilding her future – this time according to her own rules.

History Thomas

Thomas's Story

How Tomasz protected his future and company by declaring bankruptcy with a pre-pack.

Tomasz had been a board member for many years in a medium-sized manufacturing company specializing in manufacturing cables for industry. The company was developing dynamically until… well, things were better once upon a time. Falling orders, rising costs, and contractors using the “I will pay, but I won’t say when” technique put the company in serious financial trouble.

Don't put off decisions for "tomorrow" that will never come

Tomasz knew one thing – the longer he waited, the worse it would get. And the responsibility of board members is not a fairy tale, but a harsh reality, in which the company's debts can become his personal problem. A board member, an entrepreneur, has only 30 days from the moment of insolvency to declare the company bankrupt. At the crisis meeting, the board decided: "There is no point in waiting for a miracle, it's time for concrete actions!"

Where the devil cannot, he will send a mediator

With the support of restructuring experts, the board discovered that there was a better option than classic bankruptcy – pre pack, or bankruptcy with a prepared sale. In short: instead of waiting for the company to fall apart, it can be neatly handed over to a new investor before the bailiff starts moving the furniture. To make sure everything went smoothly, a mediator was hired to make sure the talks didn't end with a file folder. This helped avoid disputes that could delay or complicate the bankruptcy process.

Pre-pack – or how to leave a sinking ship with style

The decision was made – the company declared bankruptcy with a pre-pack. A new investor took over the company, production continued, and Tomasz… not only avoided responsibility, but also emerged from the situation as someone who “saved what he could”. The effects?

Quick resolution of the problem instead of years of lawsuits.
Protecting employees who aren't left out in the cold.
Minimizing losses for creditors – because it’s better to have something in your hand than debts for the rest of your life.
And most importantly – Tomasz could sleep peacefully (and not wake up with the thought that a bailiff would soon knock on his door).

Conclusions for the future – because prevention is better than panic

Tomasz's story shows that there's no point in burying your head in the sand when things start to heat up. Instead of waiting for the situation to become catastrophic, it's worth taking action and using solutions such as pre-pack.

If your business is teetering on the edge, don't count on the problem to go away on its own. Contact the experts before you actually run out of the proverbial cable to keep your business running.

History Mrs. Mary

Mrs. Maria's Story

How Mrs. Maria saved her company thanks to simplified restructuring.

Mrs. Maria is an experienced entrepreneur who has been running a company in the wood trading and processing industry for years. Her business strategy was based on solid foundations – market knowledge, process optimization and responsible financial management. However, the changing economic situation, rising raw material prices and delays in payments from contractors threatened the stability of the company. Aware of the seriousness of the situation, Mrs. Maria decided to act proactively and take steps to protect the company from bankruptcy.

Strategic analysis of the financial situation

The first step was to conduct a thorough financial audit. Maria, aware that she could not rely on intuition alone, enlisted the help of experts who identified key problems and proposed specific solutions. The analysis showed that although the company was struggling with liquidity, it had stable operational foundations and prospects for further development – provided that appropriate corrective actions were taken.

Choosing a restructuring path

After consultations with restructuring advisors, Mrs. Maria decided to proceed with the simplified procedure restructuring – a modern tool established in the Restructuring Law enabling negotiations with creditors and avoiding the need to declare bankruptcy. Thanks to this procedure, it was possible to:

protection against bailiff enforcement,
maintaining continuity of operational activities,
rebuilding the company's financial liquidity,
concluding an arrangement with creditors on terms favorable to both parties.

Restructuring process step by step

Mrs. Maria, acting with full determination, together with the selected restructuring advisor, prepared an application to open restructuring proceedings, presenting a reliable recovery plan and arrangement proposals for creditors. Thanks to a well-planned strategy and transparent negotiations, it was possible to convince most of the creditors to support the arrangement, which allowed the company to continue operating without excessive financial burden.

As part of the restructuring, the company also implemented cost optimization, renegotiated the terms of cooperation with suppliers and invested in new technologies that increased production efficiency. These actions not only improved the financial situation, but also strengthened the company's position on the market.

Effects and long-term benefits

Thanks to an effective restructuring strategy, Mrs. Maria not only saved her company from bankruptcy, but also created a solid foundation for further development. The key benefits of using simplified restructuring proceedings are:

securing business against bankruptcy,
protecting jobs and business values,
regaining the trust of business partners,
creating a plan for the future based on stable financial management.

Conclusions for other entrepreneurs

Mrs. Maria's story is a perfect example of how important quick reaction and conscious crisis management are. Simplified restructuring proved to be an effective tool for protecting the company and allowed to avoid the most negative scenarios.

If your business is struggling financially, don't wait until the situation gets out of control. A professional audit and implementation of appropriate restructuring procedures may prove crucial to the future of your company.