Consumer insolvency Gdansk

Consumer bankruptcy Gdańsk - PMR Restructuring

What is consumer bankruptcy?

Consumer bankruptcy is a legal procedure that allows individuals who do not run a business to get out of debt in the event of permanent insolvency. This process gives the possibility of writing off some or all of the liabilities, which allows you to regain financial stability and start a new life without debts.

Who can benefit from consumer bankruptcy?

Consumer bankruptcy is intended for people who: – Are insolvent and cannot settle their liabilities. – Do not conduct business activity.

How does the consumer bankruptcy process work?

Submission of the application

The first step is to submit application for consumer bankruptcy to the district court. The application must include detailed information about the assets, liabilities and the debtor's creditors.

Legal proceedings

The court assesses the validity of the motion. If it finds it justified, it announces consumer bankruptcy and appoints a trustee who takes over the management of the debtor’s assets.

Liquidation of assets

The receiver proceeds to liquidate the debtor's assets and uses the proceeds to pay off the debtor's creditors.

Repayment plan

If the debtor has income, the court may set a repayment plan for up to three years. Once the repayment plan is completed, the remainder of the unpaid obligations is written off.

Debt relief

At the end of the process, the debtor obtains debt relief, which means that he or she is freed from the obligations covered by the insolvency proceedings.

Benefits of consumer bankruptcy

A new financial start

Consumer bankruptcy allows you to start your financial life anew, without unpayable debts.

Protection of assets

In some cases, it is possible to retain some of the assets necessary for day-to-day functioning.

Realistic repayment plan

A repayment plan adapted to the debtor's actual financial capacity.

How can PMR Restructuring help you?

At PMR Restrukturyzacja we offer comprehensive assistance in the field of: consumer bankruptcy, including

Legal advice

Our specialists will help you understand the consumer bankruptcy process and assess whether it is the right solution for your situation.

Preparation of the application

We will take care of the complete preparation and submission of the application consumer bankruptcy, taking care of all formalities.

Support during proceedings

We will support you at every stage of the insolvency proceedings, offering professional advice and representation before the court.

Contact Us

Consumer bankruptcy can be a complex process, but with the help of PMR Restrukturyzacja, you can get through it efficiently and effectively. Contact us to find out more about how we can help you in obtaining a fresh financial start.

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