{"id":6054,"date":"2024-07-23T09:13:00","date_gmt":"2024-07-23T07:13:00","guid":{"rendered":"https:\/\/pmr-restrukturyzacje.pl\/?p=2616"},"modified":"2025-05-31T06:16:02","modified_gmt":"2025-05-31T06:16:02","slug":"effects-of-the-concealment-of-information-having-a-significant-impact-on-pending-insolvency-proceedings-of-a-consumer-part-1","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/effects-of-the-concealment-of-information-having-a-significant-impact-on-pending-insolvency-proceedings-of-a-consumer-part-1\/","title":{"rendered":"Consequences of withholding information having a material effect on pending consumer insolvency proceedings - Part 1"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Over-indebted people experience social exclusion, and this is particularly evident in the financial sphere. Many times, these people escape into the shadow economy to hide from bailiff enforcement.<\/strong> The declaration of bankruptcy can lead to the discharge of debts with little or no repayment. The institution of consumer bankruptcy is intended to help over-indebted people in a so-called fresh start, i.e. it is intended to bring these people back to full participation in society.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">A few words about the article - Listen<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/07\/Skutki-zatajenia-informacji-majacych-istotny.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>As a general rule, bankruptcy should be used in exceptional circumstances,<\/strong> and its excessive popularization could have negative consequences and lead to an imbalance in the market. Nevertheless, the vision of debt cancellation without the need to repay them may seem exceptionally tempting and encourage many abuses. In order to prevent abuses and audacious indebtedness, the legislator has introduced restrictions that can effectively discourage people looking for a way to easily <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/how-can-i-get-rid-of-debts-2\/\" data-wpil-monitor-id=\"1520\">getting rid of debts<\/a>. The subject matter in this area is quite extensive, therefore the considerations in this area will be presented in two articles, which I cordially invite you to read.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In 2020, significant changes were introduced to the Law <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/variation-proceedings-part-3\/\" data-wpil-monitor-id=\"13\">bankruptcy,<\/a><\/strong> which were largely intended to relieve the Courts and transfer some of their work to trustees, but above all to make it easier for insolvent private individuals (natural persons) to discharge their debts and return to full participation in social life. For this purpose, the premises on the basis of which bankruptcy of natural persons (private persons) who do not run a business were changed <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/restructuring-of-a-sole-proprietorship\/\" title=\"\">business activities<\/a>. Since 2020, the basis for declaring insolvency has only been the existence of a state of insolvency. Previously, it was also necessary for the Court to examine how the insolvency occurred.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Where the debtor has brought about his insolvency<\/strong> or significantly increased its degree intentionally or due to gross negligence, then the Courts dismissed <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/whether-an-employee-can-file-for-bankruptcy-of-the-employer\/\" data-wpil-monitor-id=\"1074\">bankruptcy petition<\/a>. In addition, there were several other grounds for dismissing a bankruptcy petition, such as the debtor providing false or incomplete data in the petition, unless the inconsistency or incompleteness was not material or the conduct of the proceedings was justified by reasons of equity or humanitarian reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the described state of the law, bankruptcy proceedings could also be discontinued in cases where the circumstances justifying the dismissal of the petition have already come to light after the declaration of bankruptcy. We encountered such a situation in one of our proceedings.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>From PMR Restructuring practice<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>As part of the bankruptcy petition, the bankrupt did not disclose that she had been validly convicted of offences under Article 269 par. 1 kkk, art. 284 par. 1 of the CC and Article 294 par. 1 of the CC, which are intentional offences against the credibility of documents, property.<\/strong> In the case described, the perpetrator falsified documents regarding income and, in addition, by impersonating another person, defrauded a loan. The sentences imposed were not erased. As a result of the fines and the obligation to make good the damage, the bankrupt did not pay the remaining outstanding debts, thus acting to the detriment of her creditors and aggravating her state of insolvency. In the described case, the Court did not see the possibility of applying equitable and humanitarian considerations,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;\"<em>because the debtor, acting for several years, committed the same criminal acts and was fully aware of the significance of her actions. (...) Her reprehensible behaviour cannot therefore be protected by the law and, as such, should not ultimately lead to the cancellation of her debts at least to a minimum extent<\/em>\" <em>(Order of 02.02.2021 ref. V GUp (...) \/19).<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consequently, the bankruptcy proceedings were discontinued.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, at the insolvency petition stage, the Court no longer analyses the causes of insolvency, but these causes nevertheless affect the possibility of obtaining debt relief. <strong>Under the current legislation, there will be no waiver of liabilities if the bankrupt caused his insolvency or materially increased the degree of insolvency in a deliberate manner.<\/strong> In particular, this refers to the squandering of constituent parts of the assets and the intentional non-payment of due liabilities. In addition, waiver of liabilities may also be refused if, within a period of ten years prior to the date of filing the bankruptcy petition, bankruptcy proceedings were conducted against the bankrupt in which all or part of his liabilities were waived. However, as in the previous legal state, equitable or humanitarian considerations may be taken into account here.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>However, the question arises as to how the court is to gain knowledge of such circumstances?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Well, the Receiver is obliged to examine whether the data provided by the debtor in the bankruptcy petition are truthful, and if there are discrepancies, he is obliged to notify the bankruptcy judge. And this in turn may lead to the discontinuation of the bankruptcy proceedings. <strong>If it is revealed that the data provided by the debtor in <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/withdrawal-of-a-consumer-bankruptcy-application\/\" data-wpil-monitor-id=\"1075\">bankruptcy petition<\/a> are untrue or incomplete, the Court may issue a decision to discontinue the proceedings,<\/strong> unless the non-compliance or incompleteness is not material or the proceedings are justified on equitable or humanitarian grounds. Thus, also in the current state of the law, the legislator has left a gateway for unreliable debtors in the form of the aforementioned reasons of equity and humanitarian grounds. However, it is worth noting that they will not be applicable in every situation, and everything will depend on the individual realities of the case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, the basis for discontinuation of insolvency proceedings is also the widely understood lack of cooperation of the bankrupt with the trustee and the bankruptcy judge, by which it can be understood:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>failure to identify or release all assets to the receiver,<\/li>\n\n\n\n<li>failure to issue the necessary documents,<\/li>\n\n\n\n<li>failure to fulfil the bankrupt's obligations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>It is clear that what matters is the scale of such omissions and the degree of their materiality.<\/strong> A refusal to hand over real estate to the trustee, for example, will be perceived completely differently than, for example, failure to issue a current decision to the trustee on <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/a-share-in-the-amount-of-pln-%c2%bd-in-the-ownership-right-to-an-undeveloped-real-estate-located-in-koscielnik-on-plot-no-642-2\/\" data-wpil-monitor-id=\"1769\">property tax rates<\/a> (if the bankrupt requests it). Also in these cases, the legislator left a loophole in the form of the justification for conducting the proceedings dictated by reasons of equity or humanitarian reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>At every stage of the entire insolvency procedure, there is ample scope to manipulate the facts, <\/strong>disinformation, silence, concealment of certain information, assets, motives, etc., which may serve to conceal assets or to obtain more favourable redemption terms. Any of such actions may face negative consequences if detected.&nbsp;<strong>It is worth realising that the trustee has a wide range of instruments at his disposal to verify the information provided by bankrupts. <\/strong>It is also not uncommon for outsiders or, for example, creditors or persons aggrieved by bankruptcy to signal certain issues to the trustee or the court. Let us not forget that information on declared insolvencies is made public, thus anyone interested may check who has been declared insolvent, which Court is conducting the proceedings, as well as who has been appointed a trustee in the given proceedings. <strong>This includes the trustee being able to verify whether, for example, bankruptcy proceedings have already been conducted against a certain bankrupt.<\/strong> Therefore, taking into account the comments made above, it is reasonable to conclude that a person facing bankruptcy proceedings runs a high risk already at the stage of filing a bankruptcy petition by giving untruths or covering up the existence of certain relevant facts. All issues concerning assets and liabilities are relevant to the insolvency proceedings under way and should not be a justification for concealing information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>It is a common mistake not to indicate in the application for the opening of proceedings the fines imposed, or measures of compensation or maintenance obligations.<\/strong> Claimants often point to the legitimacy of such an action, arguing that they are not written off in bankruptcy proceedings. This is not a correct interpretation, because also claims that are not written off in bankruptcy proceedings are obligations of the bankrupt, which the bankrupt is obliged to disclose in the petition and additionally show how the state of insolvency was created or deepened.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In addition, it is important to emphasise how important it is to list all creditors in the bankruptcy petition,<\/strong> because the liabilities which the bankrupt person deliberately failed to disclose are not subject to write-off if the creditor did not participate in the proceedings. So, is it true that <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/10-things-worth-knowing-about-consumer-bankruptcy\/\" data-wpil-monitor-id=\"764\">it is worth concealing important information in the consumer bankruptcy process<\/a>, since this may lead to the destruction of the purpose for which the application is submitted? The answer is clearly negative. If the arguments presented so far were not sufficient, I will present the next ones in the next article. I invite you to read. <a>&nbsp;<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Osoby nadmiernie zad\u0142u\u017cone do\u015bwiadczaj\u0105 wykluczenia spo\u0142ecznego, a szczeg\u00f3lnie jest to widoczne w sferze finansowej. Niejednokrotnie osoby te uciekaj\u0105 w szar\u0105 stref\u0119, by ukry\u0107 si\u0119 przed egzekucj\u0105 komornicz\u0105. Og\u0142oszenie upad\u0142o\u015bci mo\u017ce doprowadzi\u0107 do umorzenia zobowi\u0105za\u0144 bez konieczno\u015bci ich sp\u0142aty lub sp\u0142aty w niewielkim zakresie. Instytucja upad\u0142o\u015bci konsumenckiej ma w swoim za\u0142o\u017ceniu pomaga\u0107 osobom nadmiernie zad\u0142u\u017conym w tzw. \u015bwie\u017cym starcie, czyli ma doprowadzi\u0107 do powrotu tych os\u00f3b do pe\u0142ni uczestnictwa w spo\u0142ecze\u0144stwie. Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Co do zasady upad\u0142o\u015b\u0107 winna zosta\u0107 wykorzystywana w wyj\u0105tkowych okoliczno\u015bciach, a jej nadmierne upowszechnienie mog\u0142oby mie\u0107 negatywne konsekwencje i prowadzi\u0107 do zachwiania r\u00f3wnowagi na rynku.&nbsp; Niemniej jednak wizja umorzenia zobowi\u0105za\u0144 bez konieczno\u015bci ich sp\u0142aty jawi\u0107 si\u0119 mo\u017ce wyj\u0105tkowo n\u0119c\u0105co i zach\u0119ca\u0107 do wielu nadu\u017cy\u0107. Celem zapobie\u017cenia nadu\u017cyciom i zuchwa\u0142emu zad\u0142u\u017caniu si\u0119 ustawodawca wprowadzi\u0142 ograniczenia, kt\u00f3re skutecznie mog\u0105 zniech\u0119ci\u0107 osoby szukaj\u0105ce sposobu na \u0142atwe pozbycie si\u0119 d\u0142ug\u00f3w. Tematyka w tym zakresie jest do\u015b\u0107 rozleg\u0142a, st\u0105d te\u017c rozwa\u017cania w tym zakresie zostan\u0105 przedstawione w dw\u00f3ch artyku\u0142ach, do kt\u00f3rych przeczytania serdecznie zapraszam. W 2020 r. wprowadzono istotne zmiany w Prawie upad\u0142o\u015bciowym, kt\u00f3re w du\u017cej mierze mia\u0142y za zadanie odci\u0105\u017cy\u0107 S\u0105dy i scedowa\u0107 cz\u0119\u015b\u0107 ich pracy na r\u0119ce syndyk\u00f3w, ale przede wszystkim upro\u015bci\u0107 niewyp\u0142acalnym osobom prywatnym (fizycznym) odd\u0142u\u017cenie i powr\u00f3t do pe\u0142nego uczestnictwa w \u017cyciu spo\u0142ecznym.&nbsp;W tym te\u017c celu zosta\u0142y zmienione przes\u0142anki, na podstawie kt\u00f3rych og\u0142asza si\u0119 upad\u0142o\u015b\u0107 os\u00f3b fizycznych (prywatnych) nieprowadz\u0105cych dzia\u0142alno\u015bci gospodarczej. Od 2020 r. podstaw\u0119 do og\u0142oszenia upad\u0142o\u015bci stanowi jedynie wyst\u0119powanie stanu niewyp\u0142acalno\u015bci. Wcze\u015bniej konieczne by\u0142o tak\u017ce zbadanie przez S\u0105d w jaki spos\u00f3b dosz\u0142o do niewyp\u0142acalno\u015bci. W przypadku, gdy d\u0142u\u017cnik doprowadzi\u0142 do swojej niewyp\u0142acalno\u015bci lub istotnie zwi\u0119kszy\u0142 jej stopie\u0144 umy\u015blnie lub wskutek ra\u017c\u0105cego niedbalstwa w\u00f3wczas S\u0105dy oddala\u0142y wniosek o og\u0142oszenie upad\u0142o\u015bci. Ponadto istnia\u0142o jeszcze kilka innych podstaw do oddalenia wniosku o og\u0142oszenie upad\u0142o\u015bci, jak np. podanie przez d\u0142u\u017cnika we wniosku danych niezgodnych z prawd\u0105 lub niezupe\u0142nych, chyba \u017ce niezgodno\u015b\u0107 lub niezupe\u0142no\u015b\u0107 ta nie by\u0142a istotna lub przeprowadzenie post\u0119powania by\u0142o uzasadnione wzgl\u0119dami s\u0142uszno\u015bci lub wzgl\u0119dami humanitarnymi. W opisanym stanie prawnym mog\u0142o doj\u015b\u0107 r\u00f3wnie\u017c do umorzenia post\u0119powania upad\u0142o\u015bciowego w przypadku, gdy okoliczno\u015bci uzasadniaj\u0105ce oddalenie wniosku ujawni\u0142y si\u0119 ju\u017c po og\u0142oszeniu upad\u0142o\u015bci. Z tak\u0105 sytuacja spotkali\u015bmy si\u0119 w jednym z prowadzonych przez nas post\u0119powa\u0144. Z praktyki Kancelarii PMR Restrukturyzacje W ramach wniosku o og\u0142oszenie upad\u0142o\u015bci, upad\u0142a nie ujawni\u0142a, i\u017c zosta\u0142a prawomocnie skazana za przest\u0119pstwa z art. 269 par. 1 kk, art. 284 par. 1 kk i art. 294 par 1 kk, kt\u00f3re stanowi\u0105 przest\u0119pstwa umy\u015blne przeciwko wiarygodno\u015bci dokument\u00f3w, mieniu. W opisanym przypadku sprawczyni dokona\u0142a sfa\u0142szowania dokument\u00f3w dotycz\u0105cych uzyskiwanego dochodu, a ponadto podszywaj\u0105c si\u0119 pod inn\u0105 osob\u0119 wy\u0142udzi\u0142a kredyt. Orzeczone kary nie uleg\u0142y zatarciu. W wyniku orzeczonych kar grzywien i obowi\u0105zku naprawienia szkody upad\u0142a nie sp\u0142aca\u0142a pozosta\u0142ych wymagalnych wierzytelno\u015bci dzia\u0142aj\u0105c tym na szkod\u0119 wierzycieli i pog\u0142\u0119biaj\u0105c stan swojej niewyp\u0142acalno\u015bci. W opisywanej sprawie S\u0105d nie dopatrzy\u0142 si\u0119 mo\u017cliwo\u015bci zastosowania wzgl\u0119d\u00f3w s\u0142uszno\u015bciowych i humanitarnych, &nbsp;\u201egdy\u017c d\u0142u\u017cniczka dzia\u0142aj\u0105c przez kilka lat pope\u0142nia\u0142a te same czyny karalne i mia\u0142a pe\u0142n\u0105 \u015bwiadomo\u015b\u0107 znaczenia swoich czyn\u00f3w. (\u2026) Jej naganne zachowanie nie mo\u017ce zatem podlega\u0107 ochronie prawnej i jako takie nie powinno w ostateczno\u015bci doprowadzi\u0107 do umorzenia jej zobowi\u0105za\u0144 chocia\u017c w minimalnym zakresie\u201d (Postanowienie z dnia 02.02.2021 r. sygn. akt V GUp (\u2026) \/19). W konsekwencji post\u0119powanie upad\u0142o\u015bciowe zosta\u0142o umorzone. Aktualnie na etapie rozpoznawania wniosku o og\u0142oszenie upad\u0142o\u015bci S\u0105d nie analizuje ju\u017c przyczyn powstania niewyp\u0142acalno\u015bci, niemniej jednak przyczyny te wp\u0142ywaj\u0105 na mo\u017cliwo\u015b\u0107 uzyskania odd\u0142u\u017cenia. Zgodnie z obowi\u0105zuj\u0105cymi obecnie przepisami nie dojdzie do umorzenia zobowi\u0105za\u0144, je\u015bli upad\u0142y doprowadzi\u0142 do swojej niewyp\u0142acalno\u015bci lub istotnie zwi\u0119kszy\u0142 jej stopie\u0144 w spos\u00f3b celowy. W szczeg\u00f3lno\u015bci mowa tutaj o trwonieniu cz\u0119\u015bci sk\u0142adowych maj\u0105tku oraz celowym nieregulowaniu wymagalnych zobowi\u0105za\u0144. Ponadto do odmowy umorzenia zobowi\u0105za\u0144 mo\u017ce doj\u015b\u0107 tak\u017ce, gdy w okresie dziesi\u0119ciu lat przed dniem zg\u0142oszenia wniosku o og\u0142oszenie upad\u0142o\u015bci w stosunku do upad\u0142ego prowadzono post\u0119powanie upad\u0142o\u015bciowe, w kt\u00f3rym umorzono ca\u0142o\u015b\u0107 lub cz\u0119\u015b\u0107 jego zobowi\u0105za\u0144. Tak samo jak w poprzednim stanie prawnym mog\u0105 zosta\u0107 tu wzi\u0119te jednak pod uwag\u0119 wzgl\u0119dy s\u0142uszno\u015bci lub wzgl\u0119dy humanitarne. Nasuwa si\u0119 jednak pytanie sk\u0105d o takich okoliczno\u015bciach ma s\u0105d powzi\u0105\u0107 wiedz\u0119? Ot\u00f3\u017c Syndyk ma obowi\u0105zek zbadania czy dane podane przez d\u0142u\u017cnika we wniosku o og\u0142oszenie upad\u0142o\u015bci s\u0105 zgodnie z prawd\u0105, a przypadku wyst\u0119powania niezgodno\u015bci ma obowi\u0105zek powiadomi\u0107 o tym s\u0119dziego-komisarza. A to z kolei mo\u017ce doprowadzi\u0107 do umorzenia post\u0119powania upad\u0142o\u015bciowego. Je\u015bli bowiem zostanie ujawnione, \u017ce dane podane przez d\u0142u\u017cnika we wniosku o og\u0142oszenie upad\u0142o\u015bci s\u0105 niezgodne z prawd\u0105 lub niezupe\u0142ne, S\u0105d mo\u017ce wyda\u0107 postanowienie o umorzeniu post\u0119powania, chyba \u017ce niezgodno\u015b\u0107 lub niezupe\u0142no\u015b\u0107 nie s\u0105 istotne lub przeprowadzenie post\u0119powania jest uzasadnione wzgl\u0119dami s\u0142uszno\u015bci lub wzgl\u0119dami humanitarnym. Zatem r\u00f3wnie\u017c w obowi\u0105zuj\u0105cym stanie prawnym ustawodawca pozostawi\u0142 furtk\u0119 dla nierzetelnych d\u0142u\u017cnik\u00f3w, w postaci wspomnianych wzgl\u0119d\u00f3w s\u0142uszno\u015bci i wzgl\u0119d\u00f3w humanitarnych. Warto jednak zwr\u00f3ci\u0107 uwag\u0119, i\u017c nie b\u0119d\u0105 one mog\u0142y mie\u0107 zastosowania w ka\u017cdej sytuacji, a wszystko b\u0119dzie zale\u017ca\u0142o od indywidualnych reali\u00f3w danej sprawy. Ponadto podstaw\u0105 do umorzenia post\u0119powania upad\u0142o\u015bciowego jest te\u017c szeroko rozumiany brak wsp\u00f3\u0142pracy upad\u0142ego z syndykiem i s\u0119dzi\u0105-komisarzem, przez kt\u00f3ry mo\u017cna rozumie\u0107: Oczywistym jest, i\u017c znaczenie ma tu skala takich zaniecha\u0144 i stopie\u0144 ich istotno\u015bci. Zupe\u0142nie inaczej b\u0119dzie odbierana odmowa wydania syndykowi np. nieruchomo\u015bci, a inaczej zostanie potraktowane np. brak wydania syndykowi aktualnej decyzji o wysoko\u015bci podatku od nieruchomo\u015bci (je\u015bli o tak\u0105 poprosi upad\u0142ego).&nbsp; Tak\u017ce w tych przypadkach ustawodawca pozostawi\u0142 furtk\u0119 w postaci zasadno\u015bci przeprowadzenie post\u0119powania podyktowanej wzgl\u0119dami s\u0142uszno\u015bci lub wzgl\u0119dami humanitarnymi. Na ka\u017cdym etapie ca\u0142ej procedury upad\u0142o\u015bciowej istnieje szerokie pole do manipulowania faktami, dezinformowania, przemilczania, zatajania pewnych informacji, sk\u0142adnik\u00f3w maj\u0105tkowych, motyw\u00f3w dzia\u0142ania itp., kt\u00f3re s\u0142u\u017cy\u0107 mog\u0105 ukrywaniu maj\u0105tku, czy te\u017c maj\u0105 prowadzi\u0107 do uzyskania bardziej korzystnych warunk\u00f3w umorzenia zobowi\u0105za\u0144. Ka\u017cde z takich dzia\u0142a\u0144 mo\u017ce spotka\u0107 si\u0119 z negatywnymi konsekwencjami w przypadku jego wykrycia.&nbsp;Warto zdawa\u0107 sobie spraw\u0119 z tego, i\u017c syndyk dysponuje szerokim wachlarzem instrument\u00f3w do tego, by weryfikowa\u0107 informacje podawane przez upad\u0142ych. Nierzadko spotykane s\u0105 tak\u017ce sytuacje, w kt\u00f3rych to osoby postronne czy np. wierzyciele lub osoby pokrzywdzone przez upad\u0142ych sygnalizuj\u0105 pewne kwestie syndykowi lub s\u0105dowi. Nie zapominajmy o tym, \u017ce informacje o og\u0142aszanych upad\u0142o\u015bciach s\u0105 upublicznianie, st\u0105d te\u017c ka\u017cdy zainteresowany mo\u017ce sprawdzi\u0107 kto ma og\u0142oszon\u0105 upad\u0142o\u015b\u0107, jaki S\u0105d prowadzi post\u0119powanie, a tak\u017ce kto zosta\u0142 wyznaczony syndykiem w danym post\u0119powaniu. W tym tak\u017ce syndyk ma mo\u017cliwo\u015b\u0107 zweryfikowania czy np. wobec jakiego\u015b<\/p>","protected":false},"author":16,"featured_media":0,"comment_status":"closed","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":[35],"class_list":["post-6054","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":35,"user_id":16,"is_guest":0,"slug":"m-zabinskapmr-restructuring-pl","display_name":"Magdalena \u017babi\u0144ska","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/09\/user07-1.jpg","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/09\/user07-1.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/6054","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\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=6054"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/6054\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=6054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=6054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=6054"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=6054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}