Consumer Bankruptcy Toruń

Consumer Bankruptcy Toruń - PMR Restructuring

What is consumer bankruptcy?

Bankruptcy is a formal legal procedure for individuals who have found themselves in a difficult financial situation and are unable to repay their debts. This process allows for partial or complete debt relief, giving debtors the opportunity to start fresh and regain financial stability.

Who can benefit from consumer bankruptcy?

The bankruptcy procedure is intended for people who: – Are in a difficult financial situation and are unable to repay their debts. – 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 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 receiver proceeds to sell the debtor's assets in order to satisfy creditors' claims.

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 completing the personal bankruptcy process, the debtor is released from any outstanding liabilities, allowing him or her to make a fresh start without debt.

Benefits 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 cases, the debtor may retain some of the assets necessary for normal functioning.

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 specialists will 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 complicated, 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.