Consumer Bankruptcy Zabrze

Consumer Bankruptcy Zabrze - PMR Restructuring

What is consumer bankruptcy?

Bankruptcy is a legally regulated process aimed at individuals who have found themselves in serious financial trouble and are unable to repay their debts. This procedure allows for the complete or partial discharge of debts, giving debtors the opportunity to start over and regain financial stability.

Who can benefit from consumer bankruptcy?

Consumer bankruptcy is available to people who: – Are in a difficult financial situation and cannot 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 assets, liabilities, and creditors.

Consideration of the application by the court

The court examines the validity of the application. If the application is justified, the court declares consumer bankruptcy and appoints a trustee to manage the debtor's assets.

Liquidation of assets

The trustee begins selling the debtor's assets 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 a portion of the debt over a specified period, usually up to three years. At the end of the plan, the outstanding debt may be discharged.

Debt relief

Once the personal bankruptcy process is completed, 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 process allows you to start your life anew 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 adjusted to the real financial possibilities of the debtor.

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 personal 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 bankruptcy consumer debt can be complicated, but with PMR Restrukturyzacja's support, you'll get through it smoothly and effectively. Contact us to learn more about our services and how we can help you regain financial stability.

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.