Declaring consumer bankruptcy involves a court procedure, Hence, the conditions to be fulfilled are described in detail in the law, more specifically in Part Three, Title V of the Bankruptcy Act. This act regulates against whom and under what circumstances a non-business individual may be declared bankrupt, as well as what specific information must be included in a bankruptcy petition in order for it to be processed.
It is important that the bankruptcy application is complete, then you can count on a faster examination of the case, and at the same time you will avoid the return of the application. In addition, a comprehensively prepared application will facilitate and speed up work for the trustee at the stage of the actual bankruptcy proceedings.
It is also important how bankruptcy petition can be submitted. Indeed, in 2021, the National Register of Debtors (KRZ), an ICT system for bankruptcy and restructuring proceedings, was introduced. All pleadings relating to insolvency proceedings, including court decisions declaring bankruptcy, are now issued in this system. Also, all correspondence circulation (with few exceptions) is done using this system.
In order to be able to use National Register of Indebted Persons you must have a user account. Importantly, a debtor who wants to take advantage of the act and file for bankruptcy can do so not only using the aforementioned system, but also in a traditional way - i.e. by Submitting an application at the court's registry office or via traditional mail. However, setting up an account in the KRZ will be necessary if the court has already issued a decision to announce bankruptcy.
Our experienced advisors will help you at every stage and prepare for you bankruptcy petition in accordance with applicable regulations and based on many years of experience, thanks to which you will avoid the return of your application.
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