{"id":5655,"date":"2023-06-19T23:13:52","date_gmt":"2023-06-19T21:13:52","guid":{"rendered":"https:\/\/insimo.pl\/pmr\/?p=89"},"modified":"2025-01-25T09:22:36","modified_gmt":"2025-01-25T09:22:36","slug":"zus-debt-what-to-do-2","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/zus-debt-what-to-do-2\/","title":{"rendered":"ZUS debt \u2013 what to do \ud83c\udfac"},"content":{"rendered":"<p class=\"wp-block-paragraph\">If you are in debt to the ZUS (Social Insurance Institution) or the US (Tax Office), there are certain steps you can take to resolve the problem.<\/p>\n\n\n\n<div class=\"wp-block-video-lightbox-for-guten-blocks-videolightbox\"><style>\n      .zwt-vlfgb-bc8t1bx8-fancy-custom .fancybox__backdrop {\n        background:  !important;\n        opacity: 0.8 !important;\n      }\n      .zwt-vlfgb-bc8t1bx8-fancy-custom .fancybox__content {\n        max-width: 640px;\n        width: 100% !important;\n      }\n      .zwt-vlfgb-bc8t1bx8{\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n        border-radius: 0px !important;\n      }\n      .zwt-vlfgb-bc8t1bx8:hover {\n        background-color:  !important;\n        color:  !important;\n        border: 0px solid  !important;\n      }\n      .video-thumbnail.zwt-vlfgb-bc8t1bx8{\n        border-radius: 10px !important;\n      }\n      \/* Add more styles as needed *\/\n    <\/style><a data-fancybox=\"zwt-vlfgb-bc8t1bx8\" data-fancy-class=\"zwt-vlfgb-bc8t1bx8\" href=\"https:\/\/pmr-restrukturyzacje.pl\/media\/13-mam-zadluzenie-zus-us.mp4\" class=\"video-thumbnail zwt-vlfgb-bc8t1bx8\"><img decoding=\"async\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/09\/user13.jpg\" alt=\"pmr-restructuring\" title=\"\"><svg viewbox=\"0 0 24 24\" class=\"play-icon\" width=\"30\"><g><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 22C17.5228 22 22 17.5228 22 12C22 6.47715 17.5228 2 12 2C6.47715 2 2 6.47715 2 12C2 17.5228 6.47715 22 12 22ZM10.6935 15.8458L15.4137 13.059C16.1954 12.5974 16.1954 11.4026 15.4137 10.941L10.6935 8.15419C9.93371 7.70561 9 8.28947 9 9.21316V14.7868C9 15.7105 9.93371 16.2944 10.6935 15.8458Z\" fill=\"currentColor\"><\/path> <\/g><\/svg><\/a><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some suggestions:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1 Contact:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The first step is to contact the relevant institutions, i.e. ZUS and the Tax Office. Explain your situation and ask about the possibility of negotiating debt repayment. Often these institutions are open to discussion and can offer favourable solutions, such as spreading the debt into instalments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. negotiation of repayment terms:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When talking to the Social Security and Tax Administration, ask about the possibility of negotiating repayment terms. It is often possible to obtain an extension of the repayment period or to arrange convenient instalments that suit your financial possibilities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. repayment plan:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Work out a repayment plan, taking into account the amount of debt and your current income. Determine how much you are able to set aside on a regular basis to repay your debts to Social Security and the Tax Office.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. debt consolidation:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are in debt to a number of different creditors, including Social Security and the Tax Office, consider consolidating all your debts into one larger liability or take advantage of a simplified restructuring.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. financial advice:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are experiencing difficulties in repaying your debts to ZUS and US, it is worth taking advantage of counselling. Specialists including restructuring advisors from PMR Restructuring SA will help you to develop a personalised repayment plan and provide practical advice or implement simplified restructuring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Remember that it is important to take action to settle your debts as soon as possible. Neglecting to pay your debts to the Social Security Administration and the Tax Office can lead to more serious consequences, such as bailiff enforcement or the imposition of financial sanctions or bankruptcy at the request of the Social Security Administration or the Tax Office.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Je\u015bli masz zad\u0142u\u017cenie wobec ZUS (Zak\u0142adu Ubezpiecze\u0144 Spo\u0142ecznych) lub US (Urz\u0119du Skarbowego), istniej\u0105 pewne kroki, kt\u00f3re mo\u017cesz podj\u0105\u0107 w celu rozwi\u0105zania tego problemu. Poni\u017cej kilka sugestii: 1. Kontakt: Pierwszym krokiem jest skontaktowanie si\u0119 z odpowiednimi instytucjami, czyli ZUS-em i Urz\u0119dem Skarbowym. Wyja\u015bnij swoj\u0105 sytuacj\u0119 i zapytaj o mo\u017cliwo\u015b\u0107 negocjacji sp\u0142aty zad\u0142u\u017cenia. Cz\u0119sto instytucje te s\u0105 otwarte na rozmow\u0119 i mog\u0105 zaproponowa\u0107 korzystne rozwi\u0105zania, takie jak roz\u0142o\u017cenie d\u0142ugu na raty. 2. Negocjacje warunk\u00f3w sp\u0142aty: Podczas rozmowy z ZUS-em i US-em zapytaj o mo\u017cliwo\u015b\u0107 negocjacji warunk\u00f3w sp\u0142aty zad\u0142u\u017cenia. Cz\u0119sto mo\u017cna uzyska\u0107 przed\u0142u\u017cenie okresu sp\u0142aty lub ustalenie dogodnych rat, kt\u00f3re b\u0119d\u0105 odpowiada\u0107 Twoim mo\u017cliwo\u015bciom finansowym. 3. Plan sp\u0142aty: Opracuj plan sp\u0142aty, uwzgl\u0119dniaj\u0105c wysoko\u015b\u0107 zad\u0142u\u017cenia i swoje aktualne dochody. Okre\u015bl, ile jeste\u015b w stanie regularnie przeznaczy\u0107 na sp\u0142at\u0119 zad\u0142u\u017cenia wobec ZUS-u i US-u. 4. Konsolidacja zad\u0142u\u017cenia: Je\u015bli posiadasz zad\u0142u\u017cenie wobec wielu r\u00f3\u017cnych wierzycieli, w tym ZUS-u i US-u, rozwa\u017c mo\u017cliwo\u015b\u0107 skonsolidowania wszystkich d\u0142ug\u00f3w w jedno wi\u0119ksze zobowi\u0105zanie lub skorzystaj z mo\u017cliwo\u015bci uproszczonej restrukturyzacji. 5. Doradztwo finansowe: Je\u015bli masz trudno\u015bci w sp\u0142acie zad\u0142u\u017cenia wobec ZUS-u i US-u, warto skorzysta\u0107 z doradztwa. Specjali\u015bci w tym doradcy restrukturyzacyjni PMR Restrukturyzacje SA pomog\u0105 Ci opracowa\u0107 spersonalizowany plan sp\u0142aty i udzieli\u0107 praktycznych wskaz\u00f3wek lub wdro\u017cy\u0107 uproszczona restrukturyzacj\u0119. Pami\u0119taj, \u017ce wa\u017cne jest podj\u0119cie dzia\u0142a\u0144 w celu uregulowania swojego zad\u0142u\u017cenia jak najszybciej. Zaniedbanie w sp\u0142acie d\u0142ug\u00f3w wobec ZUS-u i US-u mo\u017ce prowadzi\u0107 do powa\u017cniejszych konsekwencji, takich jak egzekucja komornicza czy na\u0142o\u017cenie sankcji finansowych lub og\u0142oszenie upad\u0142o\u015bci na wniosek US czy ZUS.<\/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":[18],"tags":[],"ppma_author":[30],"class_list":["post-5655","post","type-post","status-publish","format-standard","hentry","category-restrukturyzacja-firmy"],"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\/5655","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=5655"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5655\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5655"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}