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Bankruptcy consumer
Is your life a daily struggle to pay off debts? Do you wake up every day stressed out with the thought "can I still do it"? Do you think all the time about how to support your loved ones, what comes next, Is this how you want your whole life to be?
Maybe you feel guilty/guilty that your choices could have been different? If so then you need help! We are here to help you.
We know debt relief and want to help you. One way to effectively cancel all debts without having to pay them is to declaration of consumer bankruptcy is the solution for you. You are no longer alone.
We provide assistance to people
over-indebted
We provide assistance to people
over-indebted
Bankruptcy consumer
Is your life a daily struggle to pay off debts? Do you wake up every day stressed out with the thought "can I still do it"? Do you think all the time about how to support your loved ones, what comes next, Is this how you want your whole life to be?
Maybe you feel guilty/guilty that your choices could have been different? If so then you need help! We are here to help you.
We know debt relief and want to help you. One way to effectively cancel all debts without having to pay them is to declaration of consumer bankruptcy is the solution for you. You are no longer alone.
Check for free,
whether you can go into debt
We want you support
- at every stage of the insolvency process
- We will prepare a financial analysis for you, i.e. we will carry out an in-depth analysis of your situation to understand its details and needs
- We will prepare a bankruptcy petition, we will help you prepare the necessary documentation required by the court
- We will provide full support in contacts with the trustee and the court
- We will draw up a position regarding the draft creditors' repayment plan
- Restructuring adviser licence entitles us to act as a Receiver in bankruptcy proceedings
We support consumers
Kim are we?
We are a law firm whose the overriding aim is to help in difficult situations crisis for companies and individuals. We have been conducting bankruptcy and restructuring proceedings for many years.
We have at your disposal licensed restructuring advisors, who in cooperation with experts in the field of communication, finance and law will guide you through the insolvency process.
PMR in the media
PMR in the media
What are the advantages
declaration of bankruptcy.
- Debt relief
- Suspension of enforcement
- Maintaining basic livelihoods
- A fresh start for those struggling with debt
- Stopping the build-up of debt
- Psychological comfort
- Meeting housing needs
- Possibility of stopping legal proceedings concerning debts
- Possibility of removal from the Register of Insolvent Debtors and other registers
- No need for assets to conduct proceedings
Want to know more?
Running a business involves a huge risk, and even a temporary loss of financial liquidity can mean serious problems. At the same time, the people running the business or managing the company are responsible for running the business taking into account the ability to pay, which entails, among other things, the need to monitor whether the company has gone into insolvency.
Consumer bankruptcy - news
Free yourself from debt and start life anew.
Are the amount of debts starting to overwhelm you?
Are you short of funds to repay your debts?
With our help, you will have the chance for freedom from debt and a new start
Consumer bankruptcy - news
Free yourself from debt and start life anew.
Are the amount of debts starting to overwhelm you?
Are you short of funds to repay your debts?
With our help, you will have the chance for freedom from debt and a new start
What is
consumer bankruptcy?
Consumer bankruptcy is a type of court proceedings intended for consumers, i.e. people who do not run a business.
However, running a business does not completely preclude the possibility of declaring bankruptcy.
A bankruptcy declaration may occur when there is a state of insolvency. In other words – it is help in a situation of overwhelming debt, usually resulting from reasons beyond the debtor's control, such as illness, dismissal from work, difficult personal situation, as well as bad financial decisions. The purpose of declaring consumer bankruptcy is debt relief, i.e. enabling the insolvent person to get out of debt.
In a significant proportion of proceedings, liabilities are written off completely. In the remaining proceedings, most debts are written off, and the remaining unwritten liabilities are repaid through a realistic repayment plan – one low instalment set by the court.
We support consumers
What it looks like insolvency proceedings step by step?
1. Contact with the law firm
Contacting the Law Firm is the first and most important step. We will analyze your financial situation free of charge and check whether declaring bankruptcy is a good solution for you.
2. preparation of the application
We collect all the information and documents necessary to prepare an effective application. Based on these, we will comprehensively prepare a complete consumer bankruptcy application.
3. Consideration of the application
by the Court
The court may declare bankruptcy proceedings or dismiss or return a consumer bankruptcy petition.
4 Proper insolvency proceedings
At this stage, the trustee determines the value of your debts, examines what assets you have at your disposal and which of your assets can be disposed of and which are exempt from enforcement under current legislation
5. setting up a creditors' repayment plan
Depending on which form your proceedings take - simplified or general - the trustee will prepare a draft repayment plan for you, or it will be incumbent on you to submit a timely request for the establishment of a repayment plan or a request for remission of liabilities.
6 Cancellation of claims
The court, after reviewing the case material, will decide to what extent your liabilities will be written off and when this will finally take place.
About which - worth remembering?
Consumer bankruptcy is a special opportunity for debt relief, if you are a non-business individual who is unable to meet your obligations on your own. However, declaring consumer bankruptcy has far-reaching consequences, that you should take into account when considering filing for bankruptcy.
Above all, you will lose the right of administration over your assets
The assets will become the bankruptcy estate. It is worth noting that the bankruptcy estate is not only the assets you own at the time of the bankruptcy declaration, but also those you acquire during the bankruptcy proceedings. Hence, part of the income you earn may be seized for the benefit of the bankruptcy estate.
Separation of property
The assets will become the bankruptcy estate. It is worth noting that the bankruptcy estate is not only the assets you own at the time of the bankruptcy declaration, but also those you acquire during the bankruptcy proceedings. Hence, part of the income you earn may be seized for the benefit of the bankruptcy estate.
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Your property will be sold
All your assets, subject to the exceptions set out in the legislation, will be sold by the trustee during the insolvency proceedings. The funds raised in this way will be used to cover the costs of the proceedings and your obligations towards your creditors.
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Impact on legal actions
All your assets, subject to the exceptions set out in the legislation, will be sold by the trustee during the insolvency proceedings. The funds raised in this way will be used to cover the costs of the proceedings and your obligations towards your creditors.
Limitation of contractual possibilities
Among the unpleasant consequences of consumer bankruptcy is a restriction on your ability to enter into contracts. In practice, this means that you will be able to enter into typical everyday contracts, such as buying food. However, you are absolutely precluded from entering into contracts that could increase your debt balance - i.e. you will not be allowed, for example, to take out another loan.
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These are just some of the consequences of declaring bankruptcy; nevertheless, consumer bankruptcy is a good recipe for combating the problem of over-indebtedness.
We can Help you
In which cases are we helping?
PMR Restructuring will provide you with comprehensive assistance in consumer bankruptcy cases.
You can count on counsel from our law firm to help you prepare the necessary documentation.
Some of the cases and people we assist include:
- people who have fallen into 'momentary loan' loops,
- former entrepreneurs,
- board members of companies,
- difficult family situations (divorce, separation, illness, debtor spouse and others),
- loss of job, reduction of earnings,
- guarantors,
- farmers,
- tenants in shopping malls.
If one of the above keywords describes you, don't delay any longer.
Check for free,
whether you can go into debt
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