{"id":5824,"date":"2017-11-24T14:00:00","date_gmt":"2017-11-24T13:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/upadlosc-konsumencka-rowniez-dla-wlascicieli-firm\/"},"modified":"2017-11-24T14:00:00","modified_gmt":"2017-11-24T13:00:00","slug":"consumer-bankruptcy-also-for-business-owners","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy-also-for-business-owners\/","title":{"rendered":"Consumer bankruptcy also for business owners?"},"content":{"rendered":"

A consumer bankruptcy petition can be filed as early as the day after the deregistration of the business. However, the court may dismiss it if, within a period of ten years prior to the date of its filing, the debtor has not filed a bankruptcy petition for the business he manages, although he was obliged to do so.<\/p>\n

It is not easy to fulfil, especially for companies that ceased operations before the amendments to the insolvency law in force since the beginning of 2016.<\/p>\n

\n- Until then bankruptcy petition<\/a> should have been reported within two weeks of reaching the state of insolvency, currently it is 30 days. In this case, insolvency is understood as the loss of ability to perform due monetary obligations, which occurs when the debtor does not pay a due and undisputed debt for at least 3 months from the payment date indicated on the invoice
\n- explains Ma\u0142gorzata Anisimowicz, President of PMR Restructuring S.A.\n<\/div>\n

Few individuals who were previously entrepreneurs meet the condition filing for bankruptcy<\/a> at the right time from the moment the payment problems arose. If she had done so, she would probably have needed debt relief. However, first of all, the company could have been too poor to go bankrupt, meaning its assets were not sufficient to cover the legal proceedings.<\/p>\n

In such a situation, there is still a chance of bankruptcy in the process consumer bankruptcy<\/a>Secondly, even despite failure to comply with the obligation to submit an application for bankruptcy the court does not have to dismiss the application for consumer bankruptcy<\/a>.<\/p>\n

\n\u2013 A certain group of former entrepreneurs will have a problem with meeting this condition. These are former members of the management boards of capital companies who, by signing various types of agreements, most often with banks or leasing companies<\/a>, guaranteed the obligations of the company they represented or signed a personal promissory note.<\/p>\n

In such a situation, they are jointly and severally liable for the company's debts, and the courts seem to assume that when they are unable to pay on their own those debts for which they have guaranteed, this means that they have caused their bankruptcy intentionally or through gross negligence. A former board member in such a situation will have to prove that, as at the date of the suretyship, his personal assets alone were sufficient to pay all the debts guaranteed, which with large sums is rarely possible
\n- points out Malgorzata Anisimowicz.\n<\/p><\/div>\n

\nThe material appeared in the newspaper Puls Biznesu:
\n<\/b>
\n11 November 2017:
\n\" Consumer bankruptcy puts business owners in debt<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej mo\u017cna z\u0142o\u017cy\u0107 ju\u017c w kolejnym dniu po wyrejestrowaniu dzia\u0142alno\u015bci gospodarczej. S\u0105d mo\u017ce go jednak oddali\u0107, je\u017celi w okresie dziesi\u0119ciu lat przed dniem jego zg\u0142oszenia d\u0142u\u017cnik nie z\u0142o\u017cy\u0142 wniosku o og\u0142oszenie upad\u0142o\u015bci zarz\u0105dzanego przez siebie przedsi\u0119biorstwa, mimo \u017ce mia\u0142 taki obowi\u0105zek. Nie\u0142atwo jest go spe\u0142ni\u0107, szczeg\u00f3lnie w przypadku firm, kt\u00f3re zako\u0144czy\u0142y dzia\u0142alno\u015b\u0107 przed nowelizacj\u0105 prawa upad\u0142o\u015bciowego, obowi\u0105zuj\u0105c\u0105 od pocz\u0105tku 2016r. – Do tego czasu wniosek o upad\u0142o\u015b\u0107 nale\u017ca\u0142o zg\u0142osi\u0107 w ci\u0105gu dw\u00f3ch tygodni od momentu osi\u0105gni\u0119cia stanu niewyp\u0142acalno\u015bci, obecnie jest to 30 dni. Przy tym jako niewyp\u0142acalno\u015b\u0107 rozumiemy utrat\u0119 zdolno\u015bci do wykonywania wymagalnych zobowi\u0105za\u0144 pieni\u0119\u017cnych, kt\u00f3ra nast\u0119puje wtedy, kiedy d\u0142u\u017cnik nie p\u0142aci wymagalnego i bezspornego d\u0142ugu przez co najmniej 3 miesi\u0105ce od dnia p\u0142atno\u015bci wskazanego na fakturze – t\u0142umaczy Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje S.A. Ma\u0142o kt\u00f3ra osoba indywidualna, b\u0119d\u0105ca cze\u015bniej przesi\u0119biorc\u0105, spe\u0142nia warunek z\u0142o\u017cenia wniosku o upad\u0142o\u015b\u0107 we w\u0142a\u015bciwym momencie od chwili pojawienia si\u0119 k\u0142opot\u00f3w z p\u0142atno\u015bciami. Gdyby to zrobi\u0142a, prawdopodobnie potrzebowa\u0142aby odd\u0142u\u017cenia. Jednak – po pierwsze – firma mog\u0142a by\u0107 zbyt biedna, \u017ceby upa\u015b\u0107, czyli jej maj\u0105tek nie wystarcza\u0142 na pokrycie postepowania s\u0105dowego. W takiej sytuacji ma jeszcze szanse na bankructwo w procesie upad\u0142o\u015bci konsumenckiej. Po drugie – nawet pomimo niespe\u0142nienia obowi\u0105zku o z\u0142o\u017cenie wniosku o upad\u0142o\u015b\u0107 s\u0105d nie musi oddala\u0107 podania o bankructwo konsumenckie. – Pewna grupa by\u0142ych przedsi\u0119biorc\u00f3w b\u0119dzie mia\u0142a problem ze spe\u0142nieniem tego warunku. Chodzi o by\u0142ych cz\u0142onk\u00f3w zarz\u0105du sp\u00f3\u0142ek kapita\u0142owych, kt\u00f3rzy podpisuj\u0105c r\u00f3\u017cnego rodzaju umowy, najcz\u0119\u015bciej z bankami lub firmami leasingowymi, por\u0119czyli za zobowi\u0105zania reprezentowanej przez siebie firmy albo te\u017c podpisali osobisty weksel. W takiej sytuacji odpowiadaj\u0105 oni solidarnie za zobowi\u0105zania sp\u00f3\u0142ki, a s\u0105dy zdaj\u0105 si\u0119 przyjmowa\u0107, \u017ce gdy nie s\u0105 w stanie sp\u0142aci\u0107 samodzielnie tych d\u0142ug\u00f3w, za kt\u00f3re por\u0119czali, to oznacza, \u017ce doprowadzili do swojej upad\u0142o\u015bci umy\u015blnie lub wskutek ra\u017c\u0105cego niedbalstwa. By\u0142y cz\u0142onek zarz\u0105du w takiej sytuacji powinien udowodni\u0107, \u017ce na dzie\u0144 por\u0119czenia jego osobisty maj\u0105tek samodzielnie wystarcza\u0142 na sp\u0142at\u0119 wszystkich d\u0142ug\u00f3w por\u0119czonych, co przy du\u017cych kwotach rzadko kiedy jest mo\u017cliwe – zwraca uwag\u0119 Ma\u0142gorzata Anisimowicz. Materia\u0142 ukaza\u0142 si\u0119 w gazecie Puls Biznesu: dnia 11 listopada 2017: \u00bb Upad\u0142o\u015b\u0107 konsumencka odd\u0142u\u017ca w\u0142a\u0107icieli firm<\/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-5824","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\/5824","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=5824"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5824\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5824"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}