{"id":5930,"date":"2021-09-21T08:40:22","date_gmt":"2021-09-21T06:40:22","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/jakie-bledy-dluznicy-najczesciej-popelniaja-w-trakcie-restrukturyzacji\/"},"modified":"2021-09-21T08:40:22","modified_gmt":"2021-09-21T06:40:22","slug":"what-mistakes-do-debtors-most-often-make-during-restructuring","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/what-mistakes-do-debtors-most-often-make-during-restructuring\/","title":{"rendered":"What mistakes do debtors most often make during restructuring?"},"content":{"rendered":"

According to Coface data, in the first half of 2021, Poland recorded a record 160% year-on-year increase in the number of business insolvencies. In order to get out of a difficult financial situation and avoid bankruptcy, companies must go through a restructuring process, which is a completely new experience for most of them. This, in turn, makes it easy to make mistakes and have painful consequences. Experts PMR Restructuring<\/a> and the FKK Law Firm indicate what debtors should pay particular attention to and what mistakes they should avoid in order to really increase the chances of saving the company.
\nTo restructuring<\/a> proceeded as smoothly as possible, both for the creditor and the debtor, knowledge of the law and experience in similar proceedings are key. Unfortunately, indebted entrepreneurs face a number of challenges and difficult decisions during the restructuring process, which, in the absence of appropriate support, are often accompanied by errors.<\/p>\n

Every day of delay matters<\/b><\/p>\n

From the debtor's perspective, the key factor is, above all, the time of starting the restructuring process. As Aleksandra Paku\u0142a, legal counsel at the FKK Law Firm, emphasizes, submitting a restructuring application only at the time of initiating enforcement proceedings<\/a> bailiffs, this is definitely too much delay, which may turn out to be very expensive.<\/p>\n

Taking advantage of restructuring when the company's economic situation deteriorates, including a decline in liquidity, is much more effective and offers much greater opportunities for exit. companies out of crisis<\/a>. Thanks to a quick reaction, the entrepreneur gains the opportunity to protect the legitimate rights of creditors and increases the probability of preserving the company, its strategic assets, and even a quick return to market activities while maintaining full competitiveness. <\/i> \u2013 says Aleksandra Pakula.<\/b><\/p>\n

Moreover, it happens that an entrepreneur aware of the difficult situation makes attempts to protect his assets. Meanwhile, disposing of property before filing an application is also a common mistake of the debtor. It is worth remembering the existence of the so-called Pauliana action, which allows the debtor's actions from the last five years to be rendered ineffective. Other consequences of such actions include, among others, hindering restructuring activities and reducing trust in the debtor, which may negatively affect the subsequent stages of the proceedings.<\/p>\n

Key creditor-debtor communication<\/b><\/p>\n

Another mistake is the lack of communication with creditors. According to experts, it is most often caused by a mental barrier and a sense of embarrassment about having to restructuring<\/a>. Meanwhile, an honest and direct conversation with creditors usually has a positive impact on the entire process.<\/p>\n

In my experience, seeking meetings with the other party makes it easier to reach an agreement. As the last few months have shown, any trader - often unexpectedly - can find himself in a difficult situation, and efficient communication between the parties makes it possible to significantly change the debtor's position <\/i>\u2013 emphasizes Ma\u0142gorzata Anisimowicz, President of the Management Board of PMR Restructuring<\/a> and qualified restructuring advisor.<\/b><\/p>\n

She is echoed by Aleksandra Paku\u0142a, who points out that debtors often forget that there are people on the other side who have not been paid in full for services rendered or goods sold.<\/p>\n

The whole situation requires a specific approach and a comprehensive explanation of the problems that have occurred, so that the other party is aware of the reasons for insolvency or the threat of such a state. Lack of transparency in this area is a common mistake that negatively affects the image and credibility of the debtor, and consequently weakens his position in the process. restructuring<\/a> <\/i>\u2013 says legal counsel at the FKK Law Firm.<\/b><\/p>\n

Ma\u0142gorzata Anisimowicz \u2013 qualified restructuring advisor and president of the management board PMR Restructuring<\/a> and Aleksandra Paku\u0142a from the FKK Law Firm provided commentary on the publication for the outsourcingportal.pl website devoted to the topic of outsourcing.<\/p>\n

The article appeared on outsourcing portal,<\/b> 20 September 2021. We invite you to read the full version:\u00bbWhat mistakes do debtors most often make during restructuring?<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Wed\u0142ug danych firmy Coface w pierwszym p\u00f3\u0142roczu 2021 roku w Polsce odnotowali\u015bmy rekordowy, 160% wzrost rdr. liczby niewyp\u0142acalno\u015bci przedsi\u0119biorstw. Aby wyj\u015b\u0107 z trudnej sytuacji finansowej i unikn\u0105\u0107 upad\u0142o\u015bci, firmy musz\u0105 przej\u015b\u0107 przez proces restrukturyzacji, kt\u00f3ry dla wi\u0119kszo\u015bci z nich jest ca\u0142kowicie nowym do\u015bwiadczeniem. To z kolei sprawia, \u017ce nietrudno o b\u0142\u0119dy i bolesne konsekwencje. Eksperci PMR Restrukturyzacje i Kancelarii FKK wskazuj\u0105, na co szczeg\u00f3lnie powinni uwa\u017ca\u0107 d\u0142u\u017cnicy i jakich pomy\u0142ek powinni si\u0119 wystrzega\u0107, aby realnie zwi\u0119kszy\u0107 szanse na uratowanie przedsi\u0119biorstwa. Aby restrukturyzacja przebieg\u0142a mo\u017cliwie \u0142agodnie, zar\u00f3wno dla wierzyciela, jak i d\u0142u\u017cnika, kluczowa jest znajomo\u015b\u0107 prawa oraz do\u015bwiadczenie w podobnych post\u0119powaniach. Niestety, na zad\u0142u\u017conych przedsi\u0119biorc\u00f3w w trakcie procesu naprawczego czeka szereg wyzwa\u0144 i trudnych decyzji, kt\u00f3rym przy braku odpowiednio wsparcia cz\u0119sto towarzysz\u0105 b\u0142\u0119dy. Ka\u017cdy dzie\u0144 zw\u0142oki ma znaczenie Z perspektywy d\u0142u\u017cnika kluczowy jest przede wszystkim czas rozpocz\u0119cia procesu restrukturyzacyjnego. Jak podkre\u015bla Aleksandra Paku\u0142a, radca prawny w Kancelarii FKK, z\u0142o\u017cenie wniosku restrukturyzacyjnego dopiero w momencie wszcz\u0119cia egzekucji komorniczych, to zdecydowanie zbyt du\u017ca zw\u0142oka, kt\u00f3re mo\u017ce okaza\u0107 si\u0119 bardzo kosztowna. Skorzystanie z restrukturyzacji ju\u017c w chwili pogorszenia si\u0119 sytuacji ekonomicznej przedsi\u0119biorstwa, w tym spadku p\u0142ynno\u015bci, jest du\u017co skuteczniejsze i daje znacznie wi\u0119ksze mo\u017cliwo\u015bci w zakresie wyj\u015bcia firmy z kryzysu. Dzi\u0119ki szybkiej reakcji przedsi\u0119biorca zyskuje szans\u0119 ochrony s\u0142usznych praw wierzycieli oraz zwi\u0119ksza prawdopodobie\u0144stwo zachowania przedsi\u0119biorstwa, jego strategicznych aktyw\u00f3w, a nawet szybkiego powrotu do dzia\u0142a\u0144 na rynku przy zachowaniu pe\u0142nej konkurencyjno\u015bci \u2013 m\u00f3wi Aleksandra Paku\u0142a. Co wi\u0119cej, zdarza si\u0119, \u017ce \u015bwiadomy trudnej sytuacji przedsi\u0119biorca podejmuje pr\u00f3by, aby ochroni\u0107 sw\u00f3j maj\u0105tek. Tymczasem rozporz\u0105dzanie mieniem przed z\u0142o\u017ceniem wniosku tak\u017ce jest cz\u0119stym b\u0142\u0119dem d\u0142u\u017cnika. Nale\u017cy pami\u0119ta\u0107 o istnieniu tzw. skargi paulia\u0144skiej, kt\u00f3ra pozwala ubezskuteczni\u0107 czynno\u015bci d\u0142u\u017cnika z ostatnich pi\u0119ciu lat. Inne konsekwencje takich dzia\u0142a\u0144 to m.in. utrudnienie dzia\u0142a\u0144 restrukturyzacyjnych i zmniejszenie zaufania do d\u0142u\u017cnika, kt\u00f3re mo\u017ce negatywnie odbi\u0107 si\u0119 na kolejnych etapach postepowania. Kluczowa komunikacja na linii wierzyciel – d\u0142u\u017cnik Innym b\u0142\u0119dem jest brak komunikacji z wierzycielami. Zdaniem ekspert\u00f3w najcz\u0119\u015bciej wynika on z bariery mentalnej i poczucia zawstydzenia konieczno\u015bci\u0105 restrukturyzacji. Tymczasem szczera i bezpo\u015brednia rozmowa z wierzycielami, ma z regu\u0142y pozytywny wp\u0142yw na ca\u0142y proces. Z mojego do\u015bwiadczenia wynika, \u017ce zabieganie o spotkania z drug\u0105 stron\u0105 u\u0142atwia wypracowanie porozumienia. Jak pokaza\u0142y ostatnie miesi\u0105ce, ka\u017cdy przedsi\u0119biorca \u2013 cz\u0119sto niespodziewanie \u2013 mo\u017ce znale\u017a\u0107 si\u0119 w trudnej sytuacji, a sprawna komunikacja mi\u0119dzy stronami pozwala znacz\u0105co zmieni\u0107 po\u0142o\u017cenie d\u0142u\u017cnika \u2013 podkre\u015bla Ma\u0142gorzata Anisimowicz, prezes zarz\u0105du PMR Restrukturyzacje i kwalifikowany doradca restrukturyzacyjny. Wt\u00f3ruje jej Aleksandra Paku\u0142a, kt\u00f3ra wskazuje, \u017ce d\u0142u\u017cnicy cz\u0119sto zapominaj\u0105, i\u017c po drugiej stronie znajduj\u0105 si\u0119 osoby, kt\u00f3re nie otrzyma\u0142y w pe\u0142ni nale\u017cnej zap\u0142aty za wykonane us\u0142ugi czy sprzedane towary. Ca\u0142a sytuacja wymaga specyficznego podej\u015bcia i kompleksowego wyt\u0142umaczenia zaistnia\u0142ych problem\u00f3w, tak aby druga strona by\u0142a \u015bwiadoma przyczyn niewyp\u0142acalno\u015bci lub zagro\u017cenia takim stanem. Brak transparentno\u015bci w tym zakresie to cz\u0119sty b\u0142\u0105d, kt\u00f3ry negatywnie wp\u0142ywa na wizerunek i wiarygodno\u015b\u0107 d\u0142u\u017cnika, a w konsekwencji os\u0142abia jego pozycj\u0119 w procesie restrukturyzacji \u2013 m\u00f3wi radca prawny w Kancelarii FKK. Ma\u0142gorzata Anisimowicz – kwalifikowany doradca restrukturyzacyjny i prezes zarz\u0105du PMR Restrukturyzacje oraz Aleksandra Paku\u0142a z Kancelarii FKK udzieli\u0142y komentarza do publikacji dla serwisu outsourcingportal.pl po\u015bwi\u0119conemu tematyce outsourcingu. Artyku\u0142 ukaza\u0142 si\u0119 w serwisie outsourcing portal, dnia 20 wrze\u015bnia 2021 r. Zapraszamy do zapoznania si\u0119 z jego pe\u0142n\u0105 wersj\u0105:\u00bbJakie b\u0142\u0119dy d\u0142u\u017cnicy najcz\u0119\u015bciej pope\u0142niaj\u0105 w trakcie restrukturyzacji?<\/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-5930","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\/5930","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=5930"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5930\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5930"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}