{"id":13937,"date":"2025-07-14T13:55:23","date_gmt":"2025-07-14T13:55:23","guid":{"rendered":"https:\/\/pmr-restrukturyzacje.pl\/?p=13937"},"modified":"2025-07-14T15:47:40","modified_gmt":"2025-07-14T15:47:40","slug":"debt-relief-for-companies-and-individuals-effective-debt-relief-strategies-judicial-extrajudicial-anti-debt-collection","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/debt-relief-for-companies-and-individuals-effective-debt-relief-strategies-judicial-extrajudicial-anti-debt-collection\/","title":{"rendered":"Debt Relief for Companies and Individuals \u2013 Effective Debt Recovery Strategies (Judicial, Extrajudicial, Anti-Debt Collection)"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Debt relief is a complex but crucial process that allows individuals and entrepreneurs to regain financial liquidity, secure their assets, and begin a new phase of their lives or business. Choosing the right debt relief tool depends on many factors, including the legal form of the business, the type of debt, the financial status, and the stage of enforcement. How can we get rid of debt? Below, we present a summary of possible actions.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/07\/0714.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contents: <\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. <strong>Where to start?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first step towards debt relief is understanding your financial situation and making an informed decision. So where do you begin?<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Debt audit<\/strong> \u2013 Make a list of all your obligations, broken down into:\n<ul class=\"wp-block-list\">\n<li>current and expired<\/li>\n\n\n\n<li>secured and unsecured<\/li>\n\n\n\n<li>judicial and extrajudicial<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Liquidity assessment<\/strong> \u2013 Analyze how much you can realistically allocate each month to debt repayment. Evaluate your income and necessary living or business expenses.<\/li>\n\n\n\n<li><strong>Identification of enforcement risk<\/strong> \u2013 Check whether enforcement proceedings are pending against you and whether you have already received a payment order or an enforcement title.<\/li>\n\n\n\n<li><strong>Choosing a strategy<\/strong> \u2013 Decide whether you will use out-of-court solutions (negotiations, consolidation) or whether court proceedings will be necessary (bankruptcy, restructuring).<\/li>\n\n\n\n<li><strong>Contact with an advisor<\/strong> \u2013 Consultation with a restructuring advisor will help you choose the optimal path, avoid mistakes and carry out the entire process effectively.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Remember:<\/strong> Time works against the debtor \u2013 the sooner you make a decision, the more solutions you have at your disposal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/contact\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja.jpg\" alt=\"\" class=\"wp-image-12238\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja.jpg 775w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-300x72.jpg 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-768x183.jpg 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/02\/04-bezplatna-konsultacja-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. <strong>Judicial debt relief<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/bankruptcy-declaration-what-how-and-when-to-do\/\" title=\"\">Consumer bankruptcy<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This procedure allows individuals (private individuals) to obtain full or partial debt relief. The proceedings are initiated at the debtor&#039;s request and may result in a repayment plan or debt relief without a repayment plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-agreement-chance-to-keep-the-property\/\" title=\"\">Arrangement with creditors (consumer and corporate)<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The consumer arrangement is a new institution that enables debt restructuring for individuals with the active involvement of the court. For companies, the arrangement forms the basis of arrangement and partial arrangement proceedings, allowing them to continue operating.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/simplified-restructuring\/\" title=\"\">Restructuring of companies<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It encompasses four types of proceedings: arrangement approval, accelerated arrangement, arrangement proceedings, and remedial proceedings. The goal is to save the company, conclude an arrangement, and avoid bankruptcy.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/mediation-2\/\"><img decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/04\/03-mediacja.jpg\" alt=\"\" class=\"wp-image-12448\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/04\/03-mediacja.jpg 775w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/04\/03-mediacja-300x72.jpg 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/04\/03-mediacja-768x183.jpg 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/04\/03-mediacja-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/how-to-declare-bankruptcy\/\" title=\"\">Bankruptcy of companies<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This procedure leads to the liquidation of assets and the satisfaction of creditors. It ends with the company being deleted from the National Court Register.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Extrajudicial debt relief<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/mediation\/\" title=\"\">Negotiations and settlements<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faster and less expensive than court procedures, they involve reaching agreements with creditors, often with the support of law firms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Debt consolidation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combining multiple debts into one reduces monthly payments and makes budget management easier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>External capital<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bringing in an investor or bridge financing (e.g. venture capital, mezzanine) to help pay off debts and continue operations.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. <strong>Liquidation of companies as a form of debt relief<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Liquidation stages:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Resolution on opening liquidation<\/li>\n\n\n\n<li>Appointment of a liquidator<\/li>\n\n\n\n<li>Inventory and sale of assets<\/li>\n\n\n\n<li><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/creditors-committee-in-bankruptcy-role-obligations-and-influence-on-the-proceedings\/\" title=\"\">Satisfaction of creditors <\/a>(in the order of the Commercial Companies Code and the PU)<\/li>\n\n\n\n<li>Deletion from the National Court Register<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This solution is often the most effective method of ending a business without going bankrupt.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/how-to-deal-with-a-company-crisis-2\/\"><img decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/11-sprawdz-czy-twoja-firma-moze-sie-oddluzyc.jpg\" alt=\"\" class=\"wp-image-12141\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/11-sprawdz-czy-twoja-firma-moze-sie-oddluzyc.jpg 775w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/11-sprawdz-czy-twoja-firma-moze-sie-oddluzyc-300x72.jpg 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/11-sprawdz-czy-twoja-firma-moze-sie-oddluzyc-768x183.jpg 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/11-sprawdz-czy-twoja-firma-moze-sie-oddluzyc-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. <strong>Anti-debt collection as protection against enforcement<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What does it involve?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verification of the validity of claims (e.g. limitation period, lack of legal title)<\/li>\n\n\n\n<li>Objection to a payment order<\/li>\n\n\n\n<li>Blocking execution by collateral <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/what-to-do-to-recover-receivables-from-the-debtor\/\" title=\"\">the debtor&#039;s interests<\/a><\/li>\n\n\n\n<li>Negotiations with a bailiff or creditor<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention:<\/strong> Anti-debt collection does not mean avoiding liability, but using available means of defense.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6. <strong>Differences between <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/how-to-sell-a-company-without-debts\/\" title=\"\">debt relief for companies<\/a> and private individuals<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Private individuals<\/strong><\/td><td><strong>Companies<\/strong><\/td><\/tr><tr><td>Responsibility<\/td><td>All personal property<\/td><td>The company&#039;s assets<\/td><\/tr><tr><td>Complexity<\/td><td>Lower<\/td><td>High (audit, valuations)<\/td><\/tr><tr><td>Effect<\/td><td>Debt relief and a fresh start<\/td><td>Debt relief, business continuity, and in justified cases, liquidation<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">7. <strong>The most common mistakes when getting rid of debt<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Procrastination<\/li>\n\n\n\n<li><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/contact\/\" title=\"\">Independent decisions without advice<\/a><\/li>\n\n\n\n<li>Bypassing out-of-court solutions<\/li>\n\n\n\n<li>Lack of legal analysis of claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">8. <strong>Examples from practice<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.youtube.com\/shorts\/GyM6RrxFWyY\" title=\"\" target=\"_blank\" rel=\"noopener\">Example 1: A private individual with payday loan debts<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The debtor had 12 outstanding debts, including three that were overdue by more than three years. After analyzing the statute of limitations, an objection was filed against the payment orders. The remaining debts were covered by a consumer settlement agreement. The result: an installment of PLN 800 instead of PLN 3,200.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example 2: Catering company<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The pandemic caused a loss of liquidity. The company implemented accelerated arrangement proceedings and concluded a debt reduction agreement with 70%. The business was saved, with 18 employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">9. <strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/about-us\/\" title=\"\">The importance of legal and financial advice<\/a><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Experienced advisor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Analyzes the client&#039;s situation<\/li>\n\n\n\n<li>Selects the appropriate debt relief path<\/li>\n\n\n\n<li>Represents you before the court or creditor<\/li>\n\n\n\n<li>Protects against formal errors<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">10. <strong>Summary<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debt relief doesn&#039;t have to mean failure. It can be a chance for a fresh start and building a secure financial future. The key is quick reaction and thoughtful decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/contact\/\" title=\"\">with the PMR Restrukturyzacje SA team <\/a>\u2013 we will help you get out of debt and regain control of your finances.<\/p>","protected":false},"excerpt":{"rendered":"<p>Odd\u0142u\u017cenie to z\u0142o\u017cony, lecz niezwykle wa\u017cny proces, dzi\u0119ki kt\u00f3remu osoby prywatne i przedsi\u0119biorcy mog\u0105 odzyska\u0107 p\u0142ynno\u015b\u0107 finansow\u0105, zabezpieczy\u0107 sw\u00f3j maj\u0105tek i rozpocz\u0105\u0107 nowy etap \u017cycia lub dzia\u0142alno\u015bci. Wyb\u00f3r odpowiedniego narz\u0119dzia odd\u0142u\u017cenia zale\u017cy od wielu czynnik\u00f3w, m.in. formy prawnej dzia\u0142alno\u015bci, rodzaju d\u0142ug\u00f3w, stanu maj\u0105tkowego czy etapu egzekucji. Jak mo\u017cemy si\u0119 odd\u0142u\u017cy\u0107? Poni\u017cej prezentujemy podsumowanie mo\u017cliwych do podj\u0119cia dzia\u0142a\u0144. Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Spis Tre\u015bci: 1. Od czego zacz\u0105\u0107? Pierwszy krok w kierunku odd\u0142u\u017cenia to zrozumienie swojej sytuacji finansowej i podj\u0119cie \u015bwiadomej decyzji o dzia\u0142aniu. Zatem od czego zacz\u0105\u0107? Pami\u0119taj: czas dzia\u0142a na niekorzy\u015b\u0107 d\u0142u\u017cnika \u2013 im szybciej podejmiesz decyzj\u0119, tym wi\u0119cej rozwi\u0105za\u0144 masz do dyspozycji. 2. Odd\u0142u\u017cenie s\u0105dowe Upad\u0142o\u015b\u0107 konsumencka To procedura pozwalaj\u0105ca osobom fizycznym (prywatnym) na ca\u0142kowite lub cz\u0119\u015bciowe umorzenie zobowi\u0105za\u0144. Post\u0119powanie wszczynane jest na wniosek d\u0142u\u017cnika, a efektem mo\u017ce by\u0107 plan sp\u0142aty lub odd\u0142u\u017cenie bez ustanowienia planu sp\u0142at. Uk\u0142ad z wierzycielami (konsumencki i firmowy) Uk\u0142ad konsumencki to nowa instytucja, kt\u00f3ra umo\u017cliwia restrukturyzacj\u0119 zad\u0142u\u017cenia os\u00f3b fizycznych przy aktywnym udziale s\u0105du. Dla firm uk\u0142ad stanowi trzon post\u0119powa\u0144 uk\u0142adowych i cz\u0119\u015bciowych, kt\u00f3re pozwalaj\u0105 kontynuowa\u0107 dzia\u0142alno\u015b\u0107. Restrukturyzacja firm Obejmuje cztery typy post\u0119powa\u0144: o zatwierdzenie uk\u0142adu, przyspieszone, uk\u0142adowe i sanacyjne. Celem jest uratowanie przedsi\u0119biorstwa, zawarcie uk\u0142adu i unikni\u0119cie upad\u0142o\u015bci. Upad\u0142o\u015b\u0107 firm To procedura prowadz\u0105ca do likwidacji maj\u0105tku i zaspokojenia wierzycieli. Ko\u0144czy si\u0119 wykre\u015bleniem firmy z KRS. 3. Odd\u0142u\u017cenie pozas\u0105dowe Negocjacje i ugody Szybsze i mniej kosztowne od procedur s\u0105dowych. Polegaj\u0105 na zawarciu porozumie\u0144 z wierzycielami, cz\u0119sto przy wsparciu kancelarii prawnych. Konsolidacja zobowi\u0105za\u0144 Po\u0142\u0105czenie wielu d\u0142ug\u00f3w w jeden. Zmniejsza miesi\u0119czne raty i u\u0142atwia zarz\u0105dzanie bud\u017cetem. Kapita\u0142 zewn\u0119trzny Wprowadzenie inwestora lub finansowania pomostowego (np. venture capital, mezzanine), pozwalaj\u0105ce sp\u0142aci\u0107 d\u0142ugi i kontynuowa\u0107 dzia\u0142alno\u015b\u0107. 4. Likwidacja sp\u00f3\u0142ek jako forma odd\u0142u\u017cenia Etapy likwidacji: To rozwi\u0105zanie cz\u0119sto bywa najskuteczniejsz\u0105 metod\u0105 zako\u0144czenia dzia\u0142alno\u015bci bez popadania w upad\u0142o\u015b\u0107. 5. Antywindykacja jako ochrona przed egzekucj\u0105 Na czym polega? Uwaga: Antywindykacja nie oznacza unikania odpowiedzialno\u015bci, lecz wykorzystanie przys\u0142uguj\u0105cych \u015brodk\u00f3w obrony. 6. R\u00f3\u017cnice mi\u0119dzy odd\u0142u\u017caniem firm a os\u00f3b prywatnych Kryterium Osoby prywatne Firmy Odpowiedzialno\u015b\u0107 Ca\u0142ym maj\u0105tkiem osobistym Maj\u0105tkiem sp\u00f3\u0142ki Z\u0142o\u017cono\u015b\u0107 Ni\u017csza Wysoka (audyt, wyceny) Skutek Odd\u0142u\u017cenie i nowy start Odd\u0142u\u017cenie, kontynuacja dzia\u0142alno\u015bci, w uzasadnionych przypadkach likwidacja 7. Najcz\u0119stsze b\u0142\u0119dy podczas odd\u0142u\u017cania 8. Przyk\u0142ady z praktyki Przyk\u0142ad 1: Osoba prywatna z d\u0142ugami z chwil\u00f3wek D\u0142u\u017cnik posiada\u0142 12 zobowi\u0105za\u0144, w tym 3 przeterminowane ponad 3 lata. Po analizie przedawnienia z\u0142o\u017cono sprzeciw wobec nakaz\u00f3w zap\u0142aty. Pozosta\u0142e d\u0142ugi obj\u0119to uk\u0142adem konsumenckim. Efekt: rata 800 z\u0142 zamiast 3 200 z\u0142. Przyk\u0142ad 2: Sp\u00f3\u0142ka gastronomiczna Pandemia spowodowa\u0142a utrat\u0119 p\u0142ynno\u015bci. Firma wdro\u017cy\u0142a przyspieszone post\u0119powanie uk\u0142adowe, zawar\u0142a uk\u0142ad z 70% redukcj\u0105 zad\u0142u\u017cenia. Dzia\u0142alno\u015b\u0107 uratowana, 18 os\u00f3b zatrudnionych. 9. Znaczenie doradztwa prawnego i finansowego Do\u015bwiadczony doradca: 10. Podsumowanie Odd\u0142u\u017cenie nie musi oznacza\u0107 pora\u017cki. Mo\u017ce by\u0107 szans\u0105 na nowy pocz\u0105tek i zbudowanie bezpiecznej przysz\u0142o\u015bci finansowej. Kluczem jest szybka reakcja i przemy\u015blane decyzje. Skontaktuj si\u0119 z zespo\u0142em PMR Restrukturyzacje S.A. \u2013 pomo\u017cemy Ci wyj\u015b\u0107 z d\u0142ug\u00f3w i odzyska\u0107 kontrol\u0119 nad Twoimi finansami.<\/p>","protected":false},"author":23,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[45],"class_list":["post-13937","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":45,"user_id":23,"is_guest":0,"slug":"s-anisimowicz","display_name":"S\u0142awomir Anisimowicz","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/12\/IMG-20241203-WA0023.jpg","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/12\/IMG-20241203-WA0023.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/13937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=13937"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/13937\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=13937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=13937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=13937"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=13937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}