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June 6, 2018
PMR team
Consumer bankruptcy also for those guilty of their situation, for people without assets right away, with a longer time to repay. This could be a breakthrough in debt relief for people with no chance of settling their statute-barred obligations and in the statistics of people taking advantage of such opportunities in Poland. Work on the amendment to the Consumer Bankruptcy Act assumes huge facilities for people who have found themselves in a debt trap - experts explain. The three biggest changes in the Consumer Bankruptcy Act, which operates...
May 15, 2018
PMR team
In addition to the length of the proceedings and the lack of financing, the restructuring regulations have another drawback – they do not provide remuneration for managers. A second chance for almost every entrepreneur, and bankruptcy only as a last resort – this is how the restructuring law, which came into force at the beginning of 2016, was supposed to work. What can be seen after more than two years? Although companies are eager to repair, most of such processes end in bankruptcy anyway. Without money, nothing will move Andrzej Głowacki,...
May 4, 2018
PMR team
For large and well-known chain stores and popular brands, the time is coming when there is no future without online sales, without connecting channels through omnichannel. Paradoxically, those who are only now entering the world of online sales can take advantage of the latecomer's rent, gaining an immediate advantage over the competition. According to the latest edition of the annual report "Global Powers of Retailing 2018. Transformative change, reinvigorated commerce", prepared by the consulting company Deloitte, despite...
April 17, 2018
PMR team
Polish entrepreneurs are convinced that statutory restructuring tools are a solution reserved exclusively for large companies - according to a study conducted by the OBOAK Opinion Research Center on behalf of PMR Restrukturyzacje SA. The opposite and correct opinion is expressed by only one in fifty respondents. Such a high level of unawareness costs the Polish economy billions of zlotys annually. Small entrepreneurs also suffer, often losing not only the company but also...
April 12, 2018
PMR team
Buying real estate from a trustee is another way to find an attractively priced apartment, in addition to bailiff auctions. Before making a decision to buy, however, it is worth getting to know the transaction process from the inside out, to find out what the buyer can expect. In the event of a declaration of bankruptcy, the assets of the debtor who is an entrepreneur or consumer become the bankruptcy estate. It consists of all rights and things belonging to it on the day of its declaration, including the debtor's right to...
April 5, 2018
PMR team
More than two years have passed since the introduction of key changes to restructuring and bankruptcy law in Poland. Has the mentality of Polish businessmen changed significantly during this time? Are we more effective in saving Polish companies from bankruptcy? Do creditors still primarily use aggressive debt collection, or is dialogue with the debtor an increasingly common alternative? Analysis by restructuring advisors PMR Restrukturyzacje SA. According to data from the Central Economic Information Center...
March 26, 2018
PMR team
The main goal of consumer bankruptcy is full or partial debt relief. The advantage is getting rid of debts, creditors and returning to normal life. But the price you have to pay for it is the loss of property. Consumer bankruptcy is decided by very different people, both poor and very wealthy, who have fallen into a debt spiral and are unable to get out of it. How does this process work? Instead of many individual proceedings, there is one. The court, seeking to satisfy the creditors' claims, determines...
March 16, 2018
PMR team
According to estimates, even tens of thousands of companies in Poland undertake internal repair and rescue actions each year, but only a few percent of them take advantage of the legal protection and tools provided by the new Restructuring Law. Why? The second year of operation of the amended provisions of the Restructuring and Bankruptcy Law has passed, significantly increasing the chances of saving companies in Poland. Despite the provision of new rescue tools to entrepreneurs, protection periods before...
March 16, 2018
PMR team
Google, following Facebook's example, will ban cryptocurrency advertising. Starting in June, virtual money ads will disappear from the world's most popular search engine. Google, following Facebook's example, which in January introduced a ban on cryptocurrency advertising on the social network, has announced that starting in June, the world's most popular search engine will also be banned from advertising Bitcoin, Ethereum, and other financial speculation and gambling tools. Google...
March 7, 2018
PMR team
The second year of operation of the amended provisions of the Restructuring and Bankruptcy Law has passed, significantly increasing the chances of saving companies in Poland. Despite the provision of new rescue tools to entrepreneurs, protection periods against aggressive debt collection actions by creditors and the professionalization of the restructuring process, Polish entrepreneurs still very rarely use such assistance. According to data cited by Coface "Bankruptcies and restructuring of companies in Poland in 2017...
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