Consumer insolvency Kielce

Consumer Insolvency Kielce - PMR Restructuring

What is consumer bankruptcy?

Consumer bankruptcy is a legal process aimed at individuals who have found themselves in financial trouble and are unable to settle their debts. This procedure allows for partial or complete debt relief, giving debtors the opportunity for a fresh start and regaining financial stability.

Who can benefit from consumer bankruptcy?

Procedure consumer bankruptcy is available to people who: – Are in a difficult financial situation and cannot repay their debts. – Do not run a business.

How does the consumer bankruptcy process work?

Submission of the application

The debtor files a consumer bankruptcy petition with the court. The petition must include detailed information about the assets, liabilities and creditors.

Consideration of the application by the court

The court assesses the validity of the application. If it is accepted, it declares consumer bankruptcy and appoints a trustee who will manage the debtor's assets.

Liquidation of assets

The trustee proceeds to sell the debtor's assets in order to satisfy the creditors' claims.

Repayment plan

If the debtor has income, the court may approve a repayment plan that provides for the repayment of part of the debts over a certain period of time, usually up to three years. At the end of the plan, unpaid debts may be written off.

Debt relief

At the end of the consumer bankruptcy process, the debtor is discharged from outstanding debts, enabling him or her to make a fresh start without debts.

Advantages of consumer bankruptcy

A new financial start

The procedure allows you to start a new phase of your life without the burden of debt.

Protection of assets

In some situations, the debtor may retain some of the assets necessary to function normally.

A realistic repayment plan

The repayment plan is tailored to the debtor's current financial capabilities.

Support offered by PMR Restructuring

PMR Restrukturyzacja offers comprehensive support at every stage of the consumer bankruptcy process, including:

Legal advice

Our experts can 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 necessary formalities.

Support during the process

We offer assistance at every stage of insolvency proceedings, providing expert advice and representation before the court.

Contact Us

The personal bankruptcy process can be complex, but thanks to PMR support Restructuring you will get through it efficiently and effectively. Contact us to learn more 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.