Consumer Bankruptcy Gdynia

Consumer Bankruptcy Gdynia - PMR Restructuring

Definition of consumer bankruptcy procedure

Consumer bankruptcy is a legal process applied to individuals who do not conduct business and are in a difficult financial situation. This procedure allows for the cancellation of part or all of the liabilities, which allows for regaining financial balance and starting a new stage without the burden of debts.

Who can benefit from the consumer bankruptcy procedure?

The consumer bankruptcy procedure is intended for people who: – Are insolvent and unable to repay their debts. – Do not conduct business activity.

How does the consumer bankruptcy process work?

Submission of the application

The procedure begins with the submission of application for consumer bankruptcy to the district court. The application should include detailed information about the assets, liabilities and the debtor's creditors.

Legal proceedings

The court assesses the application in terms of its justification. In the case of a positive decision, the court declares consumer bankruptcy and appoints a trustee to manage the debtor's assets.

Liquidation of assets

The trustee begins liquidating the debtor's assets, and the funds obtained are used to repay creditors.

Repayment plan

If the debtor has income, the court may set a repayment plan for up to three years. Once the repayment plan has been completed, outstanding debts are written off.

Debt relief

Completion of the process enables the debtor to obtain debt relief, which means release from the obligations covered by bankruptcy proceedings.

Benefits of consumer bankruptcy

A fresh financial start

Personal bankruptcy allows you to start your financial life over again, 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.

Support offered by PMR Restructuring

PMR Restrukturyzacja provides comprehensive assistance at every stage of the bankruptcy process, including:

Legal advice

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

Preparation of the application

We provide professional preparation and filing of an application for consumer bankruptcy, taking care of all required formalities.

Support during the process

We provide support at every stage of insolvency proceedings, providing professional advice and representation before the court.

Contact Us

Process consumer bankruptcy can be complex, but with the help of PMR Restrukturyzacja it can be completed efficiently and effectively. Contact us for more information about our services and how we can help you regain financial balance.

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 here.