Consumer Bankruptcy Poznań

Consumer Bankruptcy Poznań - PMR Restructuring

What is consumer bankruptcy?

Consumer bankruptcy is a legal procedure that allows individuals who do not run a business to get out of debt in the event of permanent insolvency. It is a chance to write off some or all of your obligations, which allows you to regain financial stability and start a new life without burdensome debts.

Who can benefit from consumer bankruptcy?

Consumer bankruptcy is available to people who: – Are insolvent, i.e. are 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 considers the validity of the motion. If it finds it justified, it announces consumer bankruptcy and appoints a trustee who takes over the management of the debtor’s assets.

Liquidation of assets

The trustee liquidates the debtor's assets and uses the proceeds 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

After the process is completed, the debtor receives a debt relief, which means that he or she is freed from the liabilities covered by the bankruptcy proceedings.

Benefits of consumer bankruptcy

A new beginning

Consumer bankruptcy allows you to start your financial life anew, free from debts that were impossible to repay.

Protection of assets

In certain 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.

How can PMR Restructuring help you?

In PMR Restructuring We offer comprehensive assistance in bankruptcy consumer, including:

A new financial start

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

Protection of assets

We will take care of the comprehensive preparation and submission of the application for consumer bankruptcy, taking care of all formalities.

Realistic repayment plan

We will support you at every stage of the insolvency proceedings, offering professional advice and representation before the court.

Contact Us

Consumer bankruptcy can be a complex process, but with the help of PMR Restrukturyzacja, you can get through it efficiently and effectively. Contact us to find out more about how we can help you in obtaining a fresh financial start.

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