{"id":288,"date":"2015-06-14T23:00:00","date_gmt":"2015-06-14T21:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/nowe-prawo-restrukturyzacyjne-nowe-szanse-na-wyjscie-z-kryzysu\/"},"modified":"2025-01-25T16:37:36","modified_gmt":"2025-01-25T16:37:36","slug":"new-restructuring-law-new-chances-to-get-out-of-the-crisis","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/new-restructuring-law-new-chances-to-get-out-of-the-crisis\/","title":{"rendered":"New Restructuring Law - new opportunities to get out of the crisis"},"content":{"rendered":"

Under the New Restructuring Law, entrepreneurs who are even at risk of insolvency will be able to take advantage of tools to protect them from aggressive debt collection and further loss of liquidity. How companies can be helped in practice is explained by restructuring advisor Maciej Roch Pietrzak.<\/p>\n

The Restructuring Law introduces new regulations on how to get out of debt. How do you choose the best solution? <\/b>
\nThe new law simplifies restructuring procedures<\/a> and introduces effective tools that have not been previously known. Therefore, the key to the effectiveness of the actions will be the selection of the optimal repair procedure, adequate to the existing problems and the proper design of the system architecture.
\nIn the difficult selection of procedures and implementation of restructuring, entrepreneurs will be supported by licensed restructuring advisors<\/a>They will indicate the optimal arrangement proposals, help in negotiations with creditors and in obtaining financing.<\/p>\n

One of the restructuring proceedings provided for in the new Act is the procedure for approval of an arrangement by independent collection of votes. In which case will this solution be the most favourable?<\/b>
\nApproval procedure system is a safe and minimally invasive restructuring tool<\/a>. It is a perfect solution for companies in the initial phase of the crisis<\/a>, who want to reach a quick agreement with their creditors, without publicizing the information about the problems that have occurred. This procedure will facilitate agreement with creditors<\/a>, if only for tax optimisation reasons, as any debt reduction will constitute a cost of obtaining income on the part of the creditor, while not constituting income on the part of the debtor. In accordance with the principle of the balance of interests, both parties to the arrangement have considerable autonomy in making decisions and tax attractiveness, while at the same time there is low interference from court supervisors.
\nThe arrangement procedures have been shortened as much as possible to enable the fastest possible conclusion of the arrangement and resolution of the crisis. This is an absolute revolution in the regulations, because the debtor collects votes independently creditors and after obtaining the required majority, submits an appropriate application<\/a> to court. The role of the court will therefore be significantly limited and will consist in a formal assessment of the application and the correctness and legality of the concluded arrangement.<\/p>\n

So who can benefit from this procedure?<\/b>
\nThis is an important question because a strictly defined group of entrepreneurs can benefit from the approval of the arrangement through independent collection of votes. This group includes debtors who they want to negotiate with their main creditors<\/a> and companies that anticipate a significant reduction in revenues at a given level of costs. This is a solution for companies that are just starting to lose their balance, e.g. due to the loss of a key client or an embargo on a major sales market. The procedure is permissible when disputed receivables do not exceed 15% of total receivables.
\nIt is important that the Act provides an opportunity for restructuring at such an early level. Conscious entrepreneurs will undoubtedly appreciate and benefit from this tool as it protects against loss of trust and credibility and allows significant restructuring<\/a> commitments.<\/p>\n

What exactly do you have in mind?<\/b>
\nThe tool gives the entrepreneur the opportunity to conclude an arrangement without making it public. information about restructuring<\/a>. It is made public only when the application is filed with the court, i.e. after the arrangement is concluded and the crisis is resolved. Therefore, only the creditors who were approached by the debtor with the arrangement proposal know about the temporary problems. Paradoxically, this may be a positive signal. They see that entrepreneurs care about real protection of the company<\/a> and appreciate his immediate reaction. An arrangement with creditors can therefore strengthen relationships with contractors who support each other in more difficult moments. Therefore, it is worth building mutual trust in business and creating a culture of restructuring on the Western model.<\/p>\n

How does the procedure practically protect the company at risk?<\/b>
\nThe arrangement is accepted if the majority of voting creditors having at least 2\/3 of all receivables covered by the arrangement vote in favor of it. For example, when we have four creditors, three of whom are in favor conclusion of an agreement<\/a>, and one is against it - currently this one initiates enforcement and prevents the conclusion of an agreement, often leading to the liquidation of the company. According to the new regulations, these three creditors will be able to outvote the fourth creditor and he will automatically be bound by the arrangement. He will not be able to conduct enforcement against the others. This is a real chance to stabilize this type of situation and the fastest way to get out of companies out of crisis<\/a>.<\/p>\n

The material appeared on the website:
\n<\/b>
\n14 November 2015:
\n\" Pre-Judicial Arrangement in the New Restructuring Law<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Na mocy Nowego Prawa Restrukturyzacyjnego przedsi\u0119biorcy, kt\u00f3rzy s\u0105 cho\u0107by zagro\u017ceni niewyp\u0142acalno\u015bci\u0105 b\u0119d\u0105 mogli skorzysta\u0107 z narz\u0119dzi chroni\u0105cych ich przed agresywn\u0105 windykacj\u0105 i dalsz\u0105 utrat\u0105 p\u0142ynno\u015bci. Jak w praktyce mo\u017cna pom\u00f3c firmom, wyja\u015bnia doradca restrukturyzacyjny \u2013 Maciej Roch Pietrzak. Prawo Restrukturyzacyjne wprowadza nowe regulacje dotycz\u0105ce sposob\u00f3w wyj\u015bcia z zad\u0142u\u017cenia. Jak wybra\u0107 optymalne rozwi\u0105zanie? Nowa ustawa upraszcza procedury restrukturyzacji i wprowadza efektywne narz\u0119dzia dot\u0105d ca\u0142kowicie nieznane. Zatem kluczowym dla skuteczno\u015bci dzia\u0142a\u0144 b\u0119dzie dob\u00f3r optymalnej procedury naprawczej, adekwatnej do zaistnia\u0142ych problem\u00f3w oraz w\u0142a\u015bciwe zaprojektowanie architektury uk\u0142adu. W trudnym wyborze procedur i wdro\u017ceniu restrukturyzacji, przedsi\u0119biorc\u00f3w wspiera\u0107 b\u0119d\u0105 licencjonowani doradcy restrukturyzacyjni. Wska\u017c\u0105 oni optymalne propozycje uk\u0142adowe, pomog\u0105 w negocjacjach z wierzycielami oraz w uzyskaniu dofinansowania. Jednym z post\u0119powa\u0144 restrukturyzacyjnych, przewidzianych w nowej ustawie, jest post\u0119powanie w przedmiocie o zatwierdzenia uk\u0142adu w drodze samodzielnego zbierania g\u0142os\u00f3w. W jakim przypadku to rozwi\u0105zanie b\u0119dzie najkorzystniejsze? Post\u0119powanie o zatwierdzenie uk\u0142adu to bezpieczne i ma\u0142o inwazyjne narz\u0119dzie restrukturyzacyjne. Stanowi doskona\u0142e rozwi\u0105zanie dla firm b\u0119d\u0105cych we wst\u0119pnej fazie kryzysu, kt\u00f3rym zale\u017cy na szybkim porozumieniu si\u0119 z wierzycielami, bez nag\u0142a\u015bniania informacji o zaistnia\u0142ych problemach. Procedura ta u\u0142atwi porozumienie z wierzycielami, cho\u0107by z powodu optymalizacji podatkowej, bowiem ewentualna redukcja zad\u0142u\u017cenia b\u0119dzie stanowi\u0107 koszt uzyskania przychodu po stronie wierzyciela, jednocze\u015bnie nie stanowi\u0105c dochodu po stronie d\u0142u\u017cnika. W my\u015bl zasady r\u00f3wnowagi ochrony interes\u00f3w, obie strony uk\u0142adu maj\u0105 wi\u0119c spor\u0105 autonomiczno\u015b\u0107 podejmowanych decyzji i atrakcyjno\u015b\u0107 podatkow\u0105, przy jednocze\u015bnie niskiej ingerencji nadzorc\u00f3w s\u0105dowych. Procedury uk\u0142adowe zosta\u0142y maksymalnie skr\u00f3cone, aby umo\u017cliwi\u0107 jak najszybsze zawarcie uk\u0142adu i za\u017cegnanie kryzysu. To absolutna rewolucja w przepisach, bowiem d\u0142u\u017cnik samodzielnie zbiera g\u0142osy wierzycieli i po uzyskaniu wymaganej wi\u0119kszo\u015bci sk\u0142ada stosowny wniosek do s\u0105du. Rola s\u0105du zostanie wi\u0119c znacznie ograniczona i b\u0119dzie polega\u0142a na formalnej ocenie wniosku oraz prawid\u0142owo\u015bci i zgodno\u015bci z prawem zawartego uk\u0142adu. Kto zatem mo\u017ce skorzysta\u0107 z tego post\u0119powania? To wa\u017cne pytanie, poniewa\u017c z zatwierdzenia uk\u0142adu w drodze samodzielnego zbierania g\u0142os\u00f3w mo\u017ce skorzysta\u0107 \u015bci\u015ble okre\u015blona grupa przedsi\u0119biorc\u00f3w. Zaliczaj\u0105 si\u0119 do niej d\u0142u\u017cnicy, kt\u00f3rzy chc\u0105 negocjowa\u0107 ze swymi g\u0142\u00f3wnymi wierzycielami oraz firmy, kt\u00f3re przewiduj\u0105 znaczne obni\u017cenie przychod\u00f3w przy okre\u015blonym poziomie koszt\u00f3w. Jest to rozwi\u0105zanie dla firm, kt\u00f3re dopiero trac\u0105 r\u00f3wnowag\u0119 np. z powodu utraty kluczowego klienta czy embarga na g\u0142\u00f3wny rynek zbytu. Post\u0119powanie jest dopuszczalne, gdy wierzytelno\u015bci sporne nie przekraczaj\u0105 15% og\u00f3\u0142u wierzytelno\u015bci. Istotne jest, i\u017c ustawa daje szans\u0119 na restrukturyzacj\u0119 na tak wczesnym poziomie. \u015awiadomi przedsi\u0119biorcy bez w\u0105tpienia doceni\u0105 i b\u0119d\u0105 korzysta\u0107 z tego narz\u0119dzia, poniewa\u017c chroni ono przed utrat\u0105 zaufania i wiarygodno\u015bci oraz pozwala na znaczn\u0105 restrukturyzacj\u0119 zobowi\u0105za\u0144. Co dok\u0142adnie ma Pan na my\u015bli? Narz\u0119dzie daje przedsi\u0119biorcy mo\u017cliwo\u015b\u0107 zawarcia uk\u0142adu bez upubliczniania informacji o restrukturyzacji. Upublicznienie nast\u0119puje dopiero z momentem z\u0142o\u017cenia wniosku do s\u0105du, czyli po zawarciu uk\u0142adu i za\u017cegnaniu kryzysu. Zatem o przej\u015bciowych problemach wiedz\u0105 jedynie wierzyciele, do kt\u00f3rych z propozycj\u0105 uk\u0142adu zwr\u00f3ci\u0142 si\u0119 d\u0142u\u017cnik. Paradoksalnie mo\u017ce by\u0107 to sygna\u0142 pozytywny. Widz\u0105 bowiem, \u017ce przedsi\u0119biorcy zale\u017cy na realnej ochronie firmy i doceniaj\u0105 jego natychmiastow\u0105 reakcj\u0119. Uk\u0142ad z wierzycielami mo\u017ce wi\u0119c wzmocni\u0107 relacje z kontrahentami, kt\u00f3rzy wspieraj\u0105 si\u0119 w trudniejszych momentach. Zatem warto budowa\u0107 wzajemne zaufanie w biznesie i tworzy\u0107 kultur\u0119 restrukturyzacji na wz\u00f3r zachodni. Jak praktycznie post\u0119powanie chroni zagro\u017con\u0105 firm\u0119? Uk\u0142ad zostaje przyj\u0119ty je\u017celi zag\u0142osuje za nim wi\u0119kszo\u015b\u0107 g\u0142osuj\u0105cych wierzycieli maj\u0105cych co najmniej 2\/3 wszystkich wierzytelno\u015bci obj\u0119tych uk\u0142adem. Dla przyk\u0142adu, gdy mamy czterech wierzycieli z kt\u00f3rych trzech jest za zawarciem porozumienia, a jeden jest przeciwny – to obecnie ten jeden wszczyna egzekucj\u0119 i uniemo\u017cliwia zawarcie porozumienia cz\u0119sto doprowadzaj\u0105c do likwidacji firmy. Zgodnie z nowymi przepis\u00f3w, to ci trzej wierzyciele b\u0119d\u0105 mogli przeg\u0142osowa\u0107 czwartego wierzyciela i b\u0119dzie on automatycznie zwi\u0105zany uk\u0142adem. Nie b\u0119dzie m\u00f3g\u0142 wbrew innym prowadzi\u0107 egzekucji. To realna szansa na stabilizacj\u0119 tego rodzaju sytuacji i najszybsza droga do wyprowadzenia firmy z kryzysu. Materia\u0142 ukaza\u0142 si\u0119 w serwisie: dnia 14 listopada 2015: \u00bb Uk\u0142ad Przeds\u0105dowy w Nowym Prawie Restrukturyzacyjnym<\/p>","protected":false},"author":12,"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":[30],"class_list":["post-288","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/288","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=288"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/288\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=288"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}