{"id":5884,"date":"2020-04-03T10:53:58","date_gmt":"2020-04-03T08:53:58","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/restrukturyzacja-dlugu-to-lek-na-problemy-firm\/"},"modified":"2020-04-03T10:53:58","modified_gmt":"2020-04-03T08:53:58","slug":"debt-restructuring-is-a-cure-for-companies-problems","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/debt-restructuring-is-a-cure-for-companies-problems\/","title":{"rendered":"Debt restructuring is a cure for companies' problems"},"content":{"rendered":"

In the face of the epidemic, many Polish entrepreneurs must take decisive steps to protect their business from bankruptcy.<\/p>\n

The coronavirus epidemic is taking an increasingly significant toll on the Polish economy. Its effects are being felt not only by small and medium-sized companies, but also by large entities. Fast and effective rescue actions are needed. In addition to state protective programs, an effective response to the needs of entrepreneurs may be restructuring<\/a>.
\nIt provides the legal basis and tools to protect the company in a crisis situation, the threat of insolvency or a drastic fall in profitability.<\/p>\n

Suspension of payment of obligations and enforcement<\/b><\/p>\n

The goal restructuring proceedings<\/a> is to avoid declaring bankruptcy of the debtor by enabling him to enter into an arrangement with creditors. The basis for such actions is provided by the act in force in Poland since 1 January 2016 \u2013 Restructuring Law.<\/p>\n

- Once restructuring proceedings are opened, legal effects are created that support companies and stop the crisis from worsening. They take effect from the day the court opens the proceedings. What exactly is being referred to?<\/p>\n

Undoubtedly, one of the key legal consequences is the suspension of payments of liabilities incurred before the opening date of the proceedings. Payment will only be made after approval by creditors arrangement proposals<\/a> \u2013 comments Ma\u0142gorzata Anisimowicz, President of the Management Board of PMR Restrukturyzacje SA. <\/i>
\nThe restructuring of the debtor's obligations may include the postponement of the due date, payment by installments, reduction of the debt amount, conversion of the receivable into shares or stocks, as well as the change, exchange or cancellation of the right securing a specific receivable. Importantly, arrangement proposals may indicate one or more methods of restructuring<\/a> obligations of the debtor. Another effect of applying this solution is also the stay of enforcement. It is inadmissible to conduct enforcement of receivables covered by the arrangement.<\/p>\n

Securing key contracts<\/b><\/p>\n

Entrepreneurs using this solution can also count on protection of key contracts for Companies<\/a>. These include, among others, lease or tenancy agreements for premises or real estate in which the debtor's enterprise is conducted, as well as credit agreements in the scope of funds made available to the borrower before the day of opening the proceedings. They also include leasing agreements, property insurance, bank account, as well as protection of guarantee agreements or covering licenses granted to the debtor.
\nThe filing of a restructuring application also protects board members from personal liability.<\/p>\n

Support that gives you a chance to survive<\/b><\/p>\n

A huge advantage of taking advantage of the opportunity debt restructuring<\/a> there is also support that the entrepreneur receives. There is a team at his disposal restructuring advisers<\/a> and often also experts in the field of finance, accounting and taxes, who provide assistance in making decisions that are key to the future of the company.
\nIt is also about helping to secure new funding opportunities, such as loans, credits and even attracting a new investor with the support of a restructuring advisor.
\nDebt restructuring also has a key advantage over bankruptcy.<\/a>. In case of submission by creditors' bankruptcy application and the debtor's restructuring application<\/a>, the court is obliged to first consider the restructuring application.<\/p>\n

- Tools aid resulting from the restructuring law<\/a> is undoubtedly a quick and effective response to the crisis. Restructuring helps to survive the most difficult times and effectively<\/a> protects companies against insolvency and bankruptcy. By using this solution in combination with current protective packages for companies affected by the epidemic, entrepreneurs can emerge from this difficult situation unscathed \u2013 sums up Ma\u0142gorzata Anisimowicz. <\/i><\/p>\n

The article appeared in the daily newspaper Rzeczpospolita<\/b>:2 April 2020. We invite you to read the full version:\" Debt restructuring is a cure for companies' problems<\/a><\/div>","protected":false},"excerpt":{"rendered":"

W obliczu epidemii wielu polskich przedsi\u0119biorc\u00f3w musi podj\u0105\u0107 zdecydowane kroki, aby chroni\u0107 sw\u00f3j biznes przed upad\u0142o\u015bci\u0105. Epidemia koronawirusa odciska coraz wi\u0119ksze pi\u0119tno na stanie polskiej gospodarki. Jej skutki dotkliwie odczuwaj\u0105 nie tylko ma\u0142e i \u015brednie firmy, ale i du\u017ce podmioty. Potrzebne s\u0105 szybkie i skuteczne dzia\u0142ania ratunkowe. Poza pa\u0144stwowymi programami os\u0142onowymi skuteczn\u0105 odpowiedzi\u0105 na potrzeby przedsi\u0119biorc\u00f3w mo\u017ce by\u0107 restrukturyzacja. Daje ona podstaw\u0119 prawn\u0105 oraz narz\u0119dzia do ochrony przedsi\u0119biorstwa w sytuacji kryzysowej, zagro\u017cenia niewyp\u0142acalno\u015bci\u0105 czy drastycznym spadkiem rentowno\u015bci. Wstrzymanie p\u0142atno\u015bci zobowi\u0105za\u0144 i egzekucji Celem post\u0119powania restrukturyzacyjnego jest unikni\u0119cie og\u0142oszenia upad\u0142o\u015bci d\u0142u\u017cnika przez umo\u017cliwienie mu zawarcia uk\u0142adu z wierzycielami. Podstaw\u0119 do tego typu dzia\u0142a\u0144 daje obowi\u0105zuj\u0105ca od 1 stycznia 2016 roku w Polsce ustawa \u2013 Prawo restrukturyzacyjne. \u2013 Po otwarciu post\u0119powania restrukturyzacyjnego powstaj\u0105 skutki prawne, kt\u00f3re wspieraj\u0105 przedsi\u0119biorstwa i wstrzymuj\u0105 pog\u0142\u0119bianie si\u0119 kryzysu. Zaczynaj\u0105 one obowi\u0105zywa\u0107 z dniem otwarcia przez s\u0105d post\u0119powania. O czym dok\u0142adnie mowa? Niew\u0105tpliwie jednym z kluczowych skutk\u00f3w prawnych jest wstrzymanie p\u0142atno\u015bci zobowi\u0105za\u0144 powsta\u0142ych przed dniem otwarcia post\u0119powania. P\u0142atno\u015b\u0107 nast\u0105pi dopiero po zatwierdzeniu przez wierzycieli propozycji uk\u0142adowych \u2013 komentuje Ma\u0142gorzata Anisimowicz, prezes zarz\u0105du PMR Restrukturyzacje SA. Restrukturyzacja zobowi\u0105za\u0144 d\u0142u\u017cnika mo\u017ce obejmowa\u0107 odroczenie terminu wykonania, roz\u0142o\u017cenie sp\u0142aty na raty, zmniejszenie wysoko\u015bci zad\u0142u\u017cenia, konwersj\u0119 wierzytelno\u015bci na udzia\u0142y lub akcje, a tak\u017ce zmian\u0119, zamian\u0119 lub uchylenie prawa zabezpieczaj\u0105cego okre\u015blon\u0105 wierzytelno\u015b\u0107. Co wa\u017cne, propozycje uk\u0142adowe mog\u0105 wskazywa\u0107 jeden lub wi\u0119cej sposob\u00f3w restrukturyzacji zobowi\u0105za\u0144 d\u0142u\u017cnika. Kolejnym skutkiem zastosowania tego rozwi\u0105zania jest tak\u017ce wstrzymanie egzekucji. Niedopuszczalne bowiem jest prowadzenie egzekucji nale\u017cno\u015bci obj\u0119tych uk\u0142adem. Zabezpieczenie kluczowych um\u00f3w Przedsi\u0119biorcy korzystaj\u0105cy z tego rozwi\u0105zania mog\u0105 tak\u017ce liczy\u0107 na ochron\u0119 kluczowych um\u00f3w dla firmy. To m.in. umowy najmu lub dzier\u017cawy lokalu lub nieruchomo\u015bci, w kt\u00f3rych jest prowadzone przedsi\u0119biorstwo d\u0142u\u017cnika, a tak\u017ce umowy kredytu w zakresie \u015brodk\u00f3w postawionych do dyspozycji kredytobiorcy przed dniem otwarcia post\u0119powania. Zaliczaj\u0105 si\u0119 do nich r\u00f3wnie\u017c umowy leasingu, ubezpiecze\u0144 maj\u0105tkowych, rachunku bankowego, a tak\u017ce ochrona um\u00f3w por\u0119cze\u0144 czy obejmuj\u0105cych licencje udzielone d\u0142u\u017cnikowi. Z\u0142o\u017cenie wniosku restrukturyzacyjnego chroni te\u017c cz\u0142onk\u00f3w zarz\u0105du przed osobist\u0105 odpowiedzialno\u015bci\u0105. Wsparcie, kt\u00f3re daje szans\u0119 na przetrwanie Ogromn\u0105 zalet\u0105 skorzystania z mo\u017cliwo\u015bci restrukturyzacji zad\u0142u\u017cenia jest r\u00f3wnie\u017c wsparcie, jakie otrzymuje przedsi\u0119biorca. Do jego dyspozycji jest zesp\u00f3\u0142 doradc\u00f3w restrukturyzacyjnych i cz\u0119sto tak\u017ce ekspert\u00f3w z zakresu finans\u00f3w, ksi\u0119gowo\u015bci oraz podatk\u00f3w, kt\u00f3rzy s\u0142u\u017c\u0105 pomoc\u0105 przy podejmowaniu kluczowych dla przysz\u0142o\u015bci firmy decyzji. To tak\u017ce pomoc w pozyskaniu nowych mo\u017cliwo\u015bci finansowania, takich jak kredyty, po\u017cyczki, a nawet pozyskania nowego inwestora przy wsparciu doradcy restrukturyzacyjnego. Restrukturyzacja zad\u0142u\u017cenia posiada r\u00f3wnie\u017c kluczow\u0105 przewag\u0119 nad upad\u0142o\u015bci\u0105. W przypadku z\u0142o\u017cenia przez wierzycieli wniosku o upad\u0142o\u015b\u0107 oraz przez d\u0142u\u017cnika wniosku o restrukturyzacj\u0119, s\u0105d w pierwszej kolejno\u015bci zobligowany jest rozpozna\u0107 wniosek restrukturyzacyjny. \u2013 Narz\u0119dzia pomocowe wynikaj\u0105ce z mocy prawa restrukturyzacyjnego to bez w\u0105tpienia szybka i skuteczna odpowied\u017a na kryzys. Restrukturyzacja pomaga przetrwa\u0107 najtrudniejsze czasy i skutecznie chroni firmy przed niewyp\u0142acalno\u015bci\u0105 i upad\u0142o\u015bci\u0105. Wykorzystuj\u0105c to rozwi\u0105zanie w po\u0142\u0105czeniu z bie\u017c\u0105cymi pakietami os\u0142onowymi dla firm dotkni\u0119tych skutkami epidemii, przedsi\u0119biorcy mog\u0105 wyj\u015b\u0107 z tej trudnej sytuacji obronn\u0105 r\u0119k\u0105 \u2013 podsumowuje Ma\u0142gorzata Anisimowicz. Artyku\u0142 ukaza\u0142 si\u0119 w dzienniku Rzeczpospolita:dnia 2 kwietnia 2020 r. Zapraszamy do zapoznania si\u0119 z jego pe\u0142n\u0105 wersj\u0105:\u00bb Restrukturyzacja d\u0142ugu to lek na problemy 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-5884","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\/5884","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=5884"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5884\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5884"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}