{"id":5783,"date":"2016-12-02T08:30:04","date_gmt":"2016-12-02T07:30:04","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/polacy-pobili-kolejny-rekord-upadlosci-konsumenckich\/"},"modified":"2025-01-25T17:23:19","modified_gmt":"2025-01-25T17:23:19","slug":"poles-have-broken-another-record-of-consumer-bankruptcy","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/poles-have-broken-another-record-of-consumer-bankruptcy\/","title":{"rendered":"Poles break another record for consumer bankruptcies"},"content":{"rendered":"

The number of consumer bankruptcies opened at the request of debtors since the beginning of this year has doubled in October compared to last year. There are currently 5,024 of them, but the actual needs are estimated at around 50 thousand. As PMR Restrukturyzacje SA experts convince, such dynamics of the growth of bankruptcies is very good news, because thousands of people who until now lived in a debt spiral and in the grey zone, avoiding bailiffs and enforcers, are getting a new chance, returning to work and to a normal life in society. In Germany consumer bankruptcy<\/a> more than 100,000 people announce their intentions every year.<\/p>\n

\"Consumer bankruptcy\", introduced in Polish law more than seven years ago, at the beginning had very serious limitations and could be applied in extremely rare cases. Since the end of 2014, when the legislator amended the provisions on bankruptcy of natural persons liberalising significantly the prerequisites for its declaration, the situation has significantly improved. Since then, there has been a marked increase in interest in this form of reduction or cancellation of the liabilities of individuals and, according to experts, this is very good news. The first year of the Act's operation in its amended form brought 2112 consumer bankruptcies, of which only 2 were filed in the first month.<\/p>\n

As PMR experts say Restructuring SA steady increase in bankruptcy filings<\/a> consumer orders placed in Poland is a natural, normal and desirable trend. According to estimates restructuring advisers<\/a> the natural average annual number of consumer bankruptcies in Poland should oscillate around 50 thousand. However, in much wealthier and twice as large Germany number of consumer bankruptcies<\/a> fluctuates around 100 thousand per year. Considering that our western neighbor is twice as numerous, we can divide this number by half. Additional arguments for a larger number bankruptcy<\/a> in Poland, for example, the fact that as a society we are poorer than Germany, we have not previously benefited from this type of entitlements, etc.<\/p>\n

As predicted by restructuring advisors, we can expect a steady increase in the number of applications for restructuring in Poland in the coming years. consumer bankruptcy<\/a>, until it reaches a level of around 50,000 per year, when the process will begin to stabilize.<\/p>\n

The material appeared on the website:
\n<\/b>
\n29 November 2016:
\n\" Consumer bankruptcy: bankruptcy filings are on the rise<\/a><\/div>","protected":false},"excerpt":{"rendered":"

The number of consumer bankruptcies opened at the request of debtors has doubled since the beginning of this year in October compared to last year. Currently, there are 5,024, but the actual need is estimated at around 50,000. According to PMR Restrukturyzacje SA experts, this dynamic growth in bankruptcy is very good news, as thousands of people who until now lived in a debt spiral and in the gray zone, avoiding bailiffs and enforcement officers, are getting a new chance, returning to work, and returning to a normal life in society. In Germany, over 100,000 people file for consumer bankruptcy each year. "Consumer bankruptcy," introduced into Polish law over seven years ago, initially had very serious limitations and could be used in extremely rare cases. Since the end of 2014, when legislators amended the regulations on personal bankruptcy, significantly liberalizing the conditions for declaring it, the situation has improved significantly. Since then, we have observed a significant increase in interest in this form of debt reduction or discharge, and experts say this is very good news. The first year of the amended law's operation resulted in 2,112 consumer bankruptcies, of which only two were filed in the first month. PMR Restrukturyzacje SA experts argue that the steady increase in the number of consumer bankruptcy applications filed in Poland is a natural, normal, and desirable trend. According to restructuring advisors' estimates, the natural average annual number of consumer bankruptcies in Poland should hover around 50,000. However, in Germany, which is much more affluent and twice the size, the number of consumer bankruptcies hovers around 100,000 annually. Considering that our western neighbor is twice as numerous, we can divide this number by half. Additional arguments for a higher number of bankruptcies in Poland include the fact that, as a society, we are poorer than Germany and have not previously used such rights, etc. As restructuring advisors predict, we can expect a steady increase in the number of consumer bankruptcy applications in Poland in the coming years, until it reaches approximately 50,000 annually, at which point the process will begin to stabilize. The material was published on the website: on November 29, 2016: \u00bb Consumer bankruptcy: bankruptcy filings are on the rise<\/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-5783","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\/5783","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=5783"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5783\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5783"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}