{"id":5865,"date":"2019-04-02T14:00:00","date_gmt":"2019-04-02T12:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/seniorzy-ukrywaja-klopoty-finansowe\/"},"modified":"2019-04-02T14:00:00","modified_gmt":"2019-04-02T12:00:00","slug":"seniors-hide-financial-problems","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/seniors-hide-financial-problems\/","title":{"rendered":"Seniors hide financial troubles"},"content":{"rendered":"

Analysis by consumer insolvency experts PMR Restrukturyzacje SA shows that people over 60 years of age have the biggest problem with applying for debt relief. BIK and BIG infoMonitor data from the last three years shows that the trend is slowly changing - in UK applications from 2015 to the end of 2018, the proportion of people over 56 increased from 32 to 39 per cent. What is the reason for older people's reluctance to UK? Why are they not coming to the courts with applications despite critical financial issues?<\/p>\n

Specialists consumer bankruptcy PMR Restructuring<\/a> SA indicates that the vast majority of older people, today's retirees, who for various reasons have fallen into serious financial trouble, hide this fact from friends and family, if possible. Most of them also still do not understand how the institution of bankruptcy operates<\/a> consumer and how to use it. The third barrier is filling out the UK application, which contains a lot of difficult legal terms, and collecting the documentation necessary to present the current state of your debt.<\/p>\n

\n\u2013 Shame, a complicated application and disbelief in the success of the process are the biggest enemies of older people in need \u2013 says Joanna Nowicka, a specialist in social assistance. consumer bankruptcy<\/a> at PMR Restrukturyzacje SA.\n<\/div>\n
\n- Older people will really do anything to hide their debts. They struggle to pay all their bills on time, selling everything they can and borrowing from usurious companies, parabanks, only exacerbating their problems, adds Joanna Nowicka.\n<\/div>\n

According to most experts, in order for the entire process of restoring people to normal life, getting them out of the situation of hiding from debt collectors and bailiffs to work efficiently, human understanding, empathy and support are needed throughout the entire process of applying for consumer bankruptcy<\/a>. This human dimension is difficult to define by law and is most often satisfied by the closest people and restructuring advisers<\/a>, lawyers, people who mediate in this process.<\/p>\n

\n\u2013 In addition to the continuous liberalization of regulations and the reduction of the court application fee to PLN 30, the legislator eliminates further barriers limiting access to UK institutions for those most in need \u2013 explains Ma\u0142gorzata Anisimowicz, president of the PMR Restructuring<\/a> SA.\n<\/div>\n
\n- The role of advisors, lawyers, and first responders contact<\/a> is a human, individual approach to people who come with questions about procedures, costs and time needed to obtain freedom from debt. These are soft skills that are not taught in law studies, and our experience shows that very often these are social workers, people who have experience in working with people struggling with various problems, they have something necessary to carry the process through to the end - says Ma\u0142gorzata Anisimowicz.\n<\/div>\n

On the one hand, Polish senior citizens appreciate the rules in which they were brought up, obey the rules, pay their bills on time and want to be seen as decent by their neighbours and friends, but on the other hand, they have a modest pension at their disposal and often a mere coincidence causes them to fall into the trap of loans that they can no longer repay. Handing out loans to their grandchildren, a Christmas present, a broken washing machine or helping their daughter to pay off her debt are sometimes traps that bring them to the brink of poverty within a few months.<\/p>\n

\n- We see a very positive and rational approach by the courts to the problems of pensioners,\" says Malgorzata Anisimowicz.<\/p>\n

\u2013 However, we know of many cases in which, despite clearly positive prognosis, bankruptcy petition<\/a> the elderly were not able to complete the process, they were afraid to go to court to answer additional questions from the judge. This is a human problem, not a statutory one, which we have to deal with somehow - adds Ma\u0142gorzata Anisimowicz.\n<\/div>\n

\nThe material appeared in the Kurier Szczeci\u0144ski newspaper:
\n<\/b>
\n2 April 2019:
\n\" Seniors hide financial troubles<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Z analiz ekspert\u00f3w upad\u0142o\u015bci konsumenckiej PMR Restrukturyzacje SA wynika, \u017ce najwi\u0119kszy problem z ubieganiem si\u0119 o umorzenie d\u0142ug\u00f3w maj\u0105 osoby powy\u017cej 60. roku \u017cycia. Dane BIK i BIG infoMonitor z ostatnich 3 lat wskazuj\u0105, \u017ce trend powoli ulega zmianie – we wnioskach o UK od 2015 do ko\u0144ca 2018 roku zwi\u0119kszy\u0142 si\u0119 z 32 do 39 proc. udzia\u0142 os\u00f3b po 56. roku \u017cycia. Z czego wynika niech\u0119\u0107 os\u00f3b starszych do UK? Dlaczego nie zg\u0142aszaj\u0105 si\u0119 do s\u0105d\u00f3w z wnioskami mimo krytycznych problem\u00f3w finansowych? Specjali\u015bci upad\u0142o\u015bci konsumenckiej PMR Restrukturyzacje SA wskazuj\u0105, \u017ce zdecydowana wi\u0119kszo\u015b\u0107 os\u00f3b starszych, dzisiejszych emeryt\u00f3w, kt\u00f3rzy z r\u00f3\u017cnych przyczyn popad\u0142y w powa\u017cne k\u0142opoty finansowe, ukrywa ten fakt przed znajomymi i rodzin\u0105, o ile to mo\u017cliwe. Wi\u0119kszo\u015b\u0107 z nich tak\u017ce nadal nie rozumie, jak dzia\u0142a instytucja upad\u0142o\u015bci konsumenckiej i jak z niej skorzysta\u0107. Trzeci\u0105 barier\u0105 jest wype\u0142nienie wniosku o UK, kt\u00f3ry zawiera sporo trudnych prawniczych poj\u0119\u0107, oraz zebranie dokumentacji niezb\u0119dnej do przedstawienia obecnego stanu swojego zad\u0142u\u017cenia. – Wstyd, skomplikowany wniosek oraz niewiara w powodzenie procesu to najwi\u0119ksi wrogowie starszych os\u00f3b w potrzebie – komentuje sytuacj\u0119 Joanna Nowicka, specjalistka ds. upad\u0142o\u015bci konsumenckiej w PMR Restrukturyzacje SA. – Starsze osoby zrobi\u0105 naprawd\u0119 wszystko, aby ukry\u0107 swoje d\u0142ugi. Walcz\u0105 o p\u0142acenie wszystkich rachunk\u00f3w na czas, sprzedaj\u0105c wszystko, co si\u0119 da i po\u017cyczaj\u0105c od lichwiarskich firm, parabank\u00f3w, pog\u0142\u0119biaj\u0105c tylko swoje problemu – dodaje Joanna Nowicka. Wed\u0142ug wi\u0119kszo\u015bci specjalist\u00f3w, aby ca\u0142y proces przywracania ludzi do normalnego \u017cycia, wyci\u0105gania ich z sytuacji ukrywania si\u0119 przed windykatorami i komornikami sprawnie dzia\u0142a\u0142, potrzebne s\u0105 ludzkie zrozumienie, empatia i wsparcie w trakcie ca\u0142ego procesu ubiegania si\u0119 o upad\u0142o\u015b\u0107 konsumenck\u0105. Ten ludzki wymiar trudny jest do okre\u015blenia przez ustaw\u0119 i najcz\u0119\u015bciej zaspokajany przez osoby najbli\u017csze oraz doradc\u00f3w restrukturyzacyjnych, prawnik\u00f3w, osoby, kt\u00f3re po\u015brednicz\u0105 w przeprowadzeniu tego procesu. – Ustawodawca opr\u00f3cz ci\u0105g\u0142ej liberalizacji przepis\u00f3w czy obni\u017cenia s\u0105dowej stawki wniosku do 30 z\u0142otych likwiduje kolejne bariery ograniczaj\u0105ce dost\u0119p do instytucji UK dla os\u00f3b najbardziej potrzebuj\u0105cych – t\u0142umaczy Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje SA. – Rol\u0105 doradc\u00f3w, prawnik\u00f3w, os\u00f3b pierwszego kontaktu jest ludzkie, indywidualnie podej\u015bcie do os\u00f3b, kt\u00f3re zg\u0142aszaj\u0105 si\u0119 z pytaniem o procedury, koszty i czas potrzebny do uzyskania wolno\u015bci od d\u0142ug\u00f3w. To umiej\u0119tno\u015bci mi\u0119kkie, kt\u00f3rych nie uczy si\u0119 na studiach prawniczych, i z naszego do\u015bwiadczenia wynika, \u017ce bardzo cz\u0119sto s\u0105 to pracownicy socjalni, osoby, kt\u00f3re maj\u0105 do\u015bwiadczenie w pracy z lud\u017ami borykaj\u0105cymi si\u0119 z r\u00f3\u017cnorakimi problemami, maj\u0105 to co\u015b niezb\u0119dnego do przeprowadzenia procesu do ko\u0144ca – m\u00f3wi Ma\u0142gorzata Anisimowicz. Polscy seniorzy w przewa\u017caj\u0105cej wi\u0119kszo\u015bci z jednej strony ceni\u0105 sobie zasady, w jakich zostali wychowani, przestrzegaj\u0105 przepis\u00f3w, p\u0142ac\u0105 rachunki na czas i chc\u0105 by\u0107 przez swoich s\u0105siad\u00f3w i znajomych postrzegani jako porz\u0105dni, z drugiej za\u015b – maj\u0105 do dyspozycji skromne emerytury i cz\u0119sto zwyk\u0142y zbieg okoliczno\u015bci sprawia, \u017ce wpadaj\u0105 w pu\u0142apki po\u017cyczek, kt\u00f3rych nie s\u0105 ju\u017c w stanie sp\u0142aci\u0107. Por\u0119cznie po\u017cyczki wnukom, chwil\u00f3wka na \u015bwi\u0119ta, zepsut\u0105 pralk\u0119 czy pomoc c\u00f3rce w sp\u0142acie zad\u0142u\u017cenia to czasami pu\u0142apki, kt\u00f3re w ci\u0105gu kilku miesi\u0119cy doprowadzaj\u0105 ich na skraj ub\u00f3stwa. – Widzimy bardzo pozytywne i racjonalne podej\u015bcie s\u0105d\u00f3w do problem\u00f3w emeryt\u00f3w – m\u00f3wi Ma\u0142gorzata Anisimowicz. – Znamy jednak sporo przypadk\u00f3w, w kt\u00f3rych mimo jednoznacznie pozytywnych rokowa\u0144 wniosku o upad\u0142o\u015b\u0107 osoby starsze nie by\u0142y w stanie doko\u0144czy\u0107 procesu, ba\u0142y si\u0119 p\u00f3j\u015b\u0107 na rozpraw\u0119 do s\u0105du, aby odpowiedzie\u0107 na dodatkowe pytania s\u0119dziego. To problem ludzki, nie ustawowy, z kt\u00f3rym musimy sobie jako\u015b poradzi\u0107 – dodaje Ma\u0142gorzata Anisimowicz. Materia\u0142 ukaza\u0142 si\u0119 w gazecie Kurier Szczeci\u0144ski: dnia 2 kwietnia 2019: \u00bb Seniorzy ukrywaj\u0105 k\u0142opoty finansowe<\/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-5865","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\/5865","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=5865"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5865\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5865"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}