Consumer insolvency Rzeszów

Consumer Bankruptcy Rzeszów – PMR Restructuring

What is consumer bankruptcy?

Consumer bankruptcy is a court procedure dedicated to individuals who find themselves in a difficult financial situation and are unable to settle their debts. This process allows for the partial or total cancellation of debts, offering debtors the chance to make a fresh start and restore their financial balance.

Who can benefit from consumer bankruptcy?

The consumer bankruptcy procedure is intended for people who:
– They are in financial trouble and cannot pay their debts.
– They do not conduct business activity.

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 assets, liabilities, and creditors.

Consideration of the application by the court

The court analyzes 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.

Benefits of consumer bankruptcy

A new financial start

The procedure enables 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

Process consumer bankruptcy can be complex, but with PMR Restrukturyzacja's support, you will get through it efficiently and effectively. Contact us to learn more about our services and how we can help you regain your 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.