Already 18 people file for consumer bankruptcy in Poland every day. Several thousand people decide to take this step every year. According to experts, however, their number should be at least several times higher. The change in regulations enabling the declaration of bankruptcy also to people who got into financial trouble through no fault of their own. Consumer bankruptcy contrary to popular opinion, it is not a procedure in which the trustee lets the debtor off the hook. It is a satisfaction of creditors and a second chance for the consumer - experts emphasize.
According to the data from the Central Economic Information Centre, from January to the end of June 2018 consumer bankruptcy more than 3.2 thousand people used it (2.7 thousand a year earlier). In the scale of the year, there will probably be more than 6.5 thousand, compared to 5.5 thousand in 2017, which means an increase of 17.8 percent. Despite this impressive dynamics in comparison to Western European countries, where several dozen thousand bankruptcies are announced annually, still not much.
Consumer bankruptcy It was introduced in 2009, but initially – due to restrictions – only a few dozen people used it each year. It is only since 2015 that the number of proceedings has been growing. Since then, around 14 thousand people have used it. Due to the liberalisation of regulations, there should be significantly more debtors who decide to take such a step.
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