{"id":6085,"date":"2024-11-06T08:28:46","date_gmt":"2024-11-06T08:28:46","guid":{"rendered":"https:\/\/pmr-restrukturyzacje.pl\/?p=5746"},"modified":"2024-11-23T15:08:20","modified_gmt":"2024-11-23T15:08:20","slug":"what-is-consumer-bankruptcy","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/what-is-consumer-bankruptcy\/","title":{"rendered":"What is consumer bankruptcy?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy\/\" title=\"\">Consumer bankruptcy <\/a>is a court proceeding intended for individuals who do not conduct business activity and have become insolvent. Consumer bankruptcy allows individuals to discharge their debts and have a new chance to build their personal, family and professional life.<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ol><li><a href=\"#aioseo-na-czym-polega-upadlosc-konsumencka\">A few words about the article - Listen<\/a><\/li><li><a href=\"#aioseo-czym-jest-upadlosc-konsumencka\">What is consumer bankruptcy?<\/a><\/li><li><a href=\"#aioseo-co-daje-upadlosc-konsumencka\">What are the benefits of consumer bankruptcy?<\/a><\/li><li><a href=\"#aioseo-kto-moze-oglosic-upadlosc-konsumencka\">Who can declare personal bankruptcy?<\/a><\/li><li><a href=\"#aioseo-kto-nie-moze-oglosic-upadlosci-konsumenckiej\">Who cannot file for personal bankruptcy?<\/a><\/li><li><a href=\"#aioseo-jak-otworzyc-upadlosc-konsumencka\">How to open consumer bankruptcy?<\/a><\/li><li><a href=\"#aioseo-jak-napisac-wniosek-o-upadlosc-konsumencka\">How to write a petition for consumer bankruptcy?<\/a><\/li><li><a href=\"#aioseo-otwarcie-postepowania-upadlosciowego-i-co-dalej\">Opening of bankruptcy proceedings \u2013 what next?<\/a><\/li><li><a href=\"#aioseo-podsumowanie\">Summary<\/a><\/li><\/ol><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-na-czym-polega-upadlosc-konsumencka\">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\/11\/Na-czym-polega-upadlosc-konsumencka.mp3\"><\/audio><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-czym-jest-upadlosc-konsumencka\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy-where-to-start\/\" title=\"\">What is consumer bankruptcy?<\/a><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/bh2-1024x421.jpg\" alt=\"\" class=\"wp-image-7902\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/bh2-1024x421.jpg 1024w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/bh2-300x123.jpg 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/bh2-768x316.jpg 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/bh2.jpg 1337w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consumer bankruptcy is a court proceeding intended for individuals who do not conduct business (private individuals) who have become insolvent. As a result of conducting consumer proceedings, such individuals can count on debt relief.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Declaring consumer bankruptcy does not mean that the debts of the bankrupt debtor will be written off &quot;immediately&quot;. Before the debt is written off, the trustee, who is appointed by the Court after the opening of bankruptcy proceedings, is obliged to conduct liquidation proceedings, the purpose of which is to monetize the assets from which the liabilities of the bankrupt debtor are repaid. After the liquidation of the bankruptcy estate is completed, the trustee files a motion with the court to terminate the bankruptcy proceedings. <strong>without setting up a repayment plan<\/strong> or prepares a draft repayment plan, i.e. a document which specifies the amount and period for which the bankrupt will have to make repayments to creditors after the bankruptcy proceedings are closed.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-co-daje-upadlosc-konsumencka\"><strong>What are the benefits of consumer bankruptcy?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consumer bankruptcy allows an individual to get rid of their debts, which allows them to rebuild their private and professional life without the burden of debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy-information\/\" title=\"\">The receivables that may be written off include primarily:<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credits and loans<\/strong> \u2013 both banking and other financial institutions;<\/li>\n\n\n\n<li><strong>Liabilities under civil law contracts<\/strong> \u2013 e.g. overdue payments for unpaid invoices or apartment rent;<\/li>\n\n\n\n<li><strong>Overdue bills<\/strong> \u2013 e.g. for electricity, electricity, telephone, Internet;<\/li>\n\n\n\n<li><strong>Liabilities arising from unpaid receivables resulting from past business activities<\/strong>;<\/li>\n\n\n\n<li><strong>Obligations arising from guarantees<\/strong>;<\/li>\n\n\n\n<li><strong>Tax arrears<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Based on the current financial situation of the Bankrupt, the Court will determine the repayment plan, i.e. in what periods and in what amounts the Bankrupt should repay his liabilities.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, if the situation of a given person clearly indicates that he or she will not be able to repay even a part of his or her liabilities, the Court should terminate the bankruptcy proceedings without establishing a repayment plan, i.e. completely discharge the debt of such a person and write off his or her liabilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It should be noted that a great advantage of consumer bankruptcy is the discontinuation, after the opening of bankruptcy proceedings, of all enforcement proceedings initiated, including bailiff or debt collection proceedings, which people in a difficult financial situation are struggling with.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-kto-moze-oglosic-upadlosc-konsumencka\"><strong>Who can declare personal bankruptcy?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A debtor who is a natural person, i.e. a consumer who is not an entrepreneur and does not conduct business activity, may file a motion to open consumer bankruptcy. An additional condition that the consumer must meet is their insolvency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insolvency is a state in which the debtor is unable to meet his or her due monetary obligations, e.g. he or she does not have money to simultaneously purchase everyday necessities and repay debts.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the provisions of bankruptcy law, it is presumed that the debtor has lost the ability to meet his due pecuniary obligations if the delay in repayment of debts exceeds three months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the above in mind, people who are in a difficult financial situation and who are in arrears with their current bills, as well as people who have fallen into a debt spiral (they cover the loan installments by taking out another loan) should consider whether consumer bankruptcy is not a solution for them.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-kto-nie-moze-oglosic-upadlosci-konsumenckiej\"><strong>Who cannot file for personal bankruptcy?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As indicated above, consumer bankruptcy is intended exclusively for private individuals who do not conduct business activity and are insolvent. Therefore, the court will reject a consumer application filed by individuals who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They run a business&nbsp;<\/li>\n\n\n\n<li>Over the last 10 years, bankruptcy proceedings have been conducted against such persons, who have been fully or partially discharged of their debts.<\/li>\n\n\n\n<li>They are not insolvent<\/li>\n\n\n\n<li>They provided false information in the application<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-otworzyc-upadlosc-konsumencka\">How to open consumer bankruptcy?&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/consumer-bankruptcy-consequences\/\"><img decoding=\"async\" width=\"827\" height=\"354\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png\" alt=\"\" class=\"wp-image-12235\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png 827w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-300x128.png 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-768x329.png 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-18x8.png 18w\" sizes=\"(max-width: 827px) 100vw, 827px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The court can declare consumer bankruptcy only upon application. Therefore, a bankruptcy application is always the first step towards declaring bankruptcy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the application has been filed correctly and without formal defects, the court will declare consumer bankruptcy. The further procedure is as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When declaring bankruptcy of a consumer, the court issues a decision appointing a trustee;<\/li>\n\n\n\n<li>Once the bankruptcy notice is issued, the period begins during which creditors can file their claims;<\/li>\n\n\n\n<li>The trustee determines the existence of the bankruptcy estate, i.e. whether the bankrupt has any property that has become the bankruptcy estate as of the date of opening of bankruptcy proceedings;<\/li>\n\n\n\n<li>The trustee liquidates the assets included in the bankruptcy estate;<\/li>\n\n\n\n<li>The trustee prepares and files with the court an application to terminate the bankruptcy proceedings without establishing a repayment plan or submits a draft repayment plan;<\/li>\n\n\n\n<li>The court refrains from establishing a repayment plan or establishes a repayment plan for part of the liabilities;<\/li>\n\n\n\n<li>If a repayment plan is established, the bankrupt has the right to appeal against the court\u2019s decision;<\/li>\n\n\n\n<li>If the repayment plan becomes final, the debtor executes the repayment plan and annually submits to the court a report on the implementation of the repayment plan.<\/li>\n\n\n\n<li>After the repayment plan is completed, the remaining unmet liabilities are written off.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-napisac-wniosek-o-upadlosc-konsumencka\">How to write a petition for consumer bankruptcy?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The application for the declaration of consumer bankruptcy is a procedural document that initiates the bankruptcy procedure described above. This application is the first and extremely important document that is subject to the court&#039;s assessment and on the basis of which the trustee can learn more about the Bankrupt&#039;s situation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, it is extremely important to prepare a complete bankruptcy petition, as it can significantly speed up its consideration by the Court and make it easier for the trustee to determine the actual situation of the Bankrupt, which directly translates into the speed of the bankruptcy procedure itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To prepare a complete consumer application, you need to prepare. You need to identify all creditors and receivables existing on the date of application. You need to confirm the amount of your receivables and their due dates. You should also collect documents confirming the existence and status of liabilities, such as credit agreements, payment demands or bailiff documentation. It is also worth documenting the current situation of the debtor himself, i.e. his marital status, health or professional situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, the following information must be attached to the consumer application:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>List of assets with estimated valuation;<\/li>\n\n\n\n<li>Indication of the place where the debtor&#039;s assets are located;<\/li>\n\n\n\n<li>List of creditors with their addresses, amount of the obligation and due dates of the obligations;<\/li>\n\n\n\n<li>List of security interests established over the property;<\/li>\n\n\n\n<li>List of court, enforcement and administrative proceedings pending against the debtor.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/whether-the-bankruptcy-application-can-be-filed-electronically-only\/\" title=\"\">As a rule, a consumer application should be submitted electronically via the Court Register Portal,<\/a> and more precisely by the National Register of Debtors. The consumer application is subject to a fixed fee of PLN 30.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-otwarcie-postepowania-upadlosciowego-i-co-dalej\">Opening of bankruptcy proceedings \u2013 what next?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/contact\/\"><img decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/10-kontakt-z-nami.jpg\" alt=\"\" class=\"wp-image-12140\" title=\"\" srcset=\"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/10-kontakt-z-nami.jpg 775w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/10-kontakt-z-nami-300x72.jpg 300w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/10-kontakt-z-nami-768x183.jpg 768w, https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2025\/03\/10-kontakt-z-nami-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Filing a consumer application should be preceded by a thorough analysis of the debtor&#039;s situation and the consequences of declaring bankruptcy. We indicate the most important ones below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>After the declaration of bankruptcy, all of the debtor&#039;s assets become the so-called bankruptcy estate, which is managed by the trustee and the debtor cannot freely dispose of it.&nbsp;<\/li>\n\n\n\n<li>The bankruptcy estate will also include the debtor&#039;s remuneration in that part that does not constitute an amount exempt from seizure.<\/li>\n\n\n\n<li>After the declaration of bankruptcy, the debtor&#039;s assets will be liquidated. This means that the trustee, in order to satisfy the creditors to the greatest extent possible, will try to sell the bankrupt&#039;s assets.<\/li>\n\n\n\n<li>Once bankruptcy is declared, the debtor will no longer be able to enter into any obligations or enter into any other contracts that go beyond minor everyday contracts.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It is worth noting that all liabilities incurred after the declaration of bankruptcy, such as rent, utilities, telephone bills, should be settled on an ongoing basis.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-podsumowanie\"><strong>Summary<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Declaring consumer bankruptcy is a complete solution for people who have serious financial problems and want to get rid of them once and for all. However, debt relief itself does not happen &quot;automatically&quot;. Bankruptcy means accepting that the trustee will sell the assets collected over the years, so as mentioned above, you should seriously consider whether consumer bankruptcy will be a good solution in this case.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consumer bankruptcy has many advantages beyond debt relief. The suspension of debt collection and bailiff actions may be very attractive to many people, as such actions can have a strong psychological impact on the debtor.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before deciding to file for bankruptcy, it is a good idea to consult with <a href=\"https:\/\/pmr-restrukturyzacje.pl\/en\/about-us\/\" title=\"\">specialists in bankruptcy law,<\/a> who will advise on what actions should be taken before and during bankruptcy proceedings and whether the existing liabilities justify the choice of bankruptcy proceedings as a method of debt relief.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Upad\u0142o\u015b\u0107 konsumencka jest post\u0119powaniem s\u0105dowym przewidzianym dla os\u00f3b prywatnych, kt\u00f3re nie prowadz\u0105 dzia\u0142alno\u015bci gospodarczej i stali si\u0119 niewyp\u0142acalni. Upad\u0142o\u015b\u0107 konsumencka pozwala osobom prywatnym na odd\u0142u\u017cenie oraz na now\u0105 szans\u0119 na zbudowanie swojego \u017cycia osobistego, rodzinnego i zawodowego. Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Czym jest upad\u0142o\u015b\u0107 konsumencka? Upad\u0142o\u015b\u0107 konsumencka jest post\u0119powaniem s\u0105dowym, przeznaczonym dla os\u00f3b fizycznych nieprowadz\u0105cych dzia\u0142alno\u015bci gospodarczej (os\u00f3b prywatnych), kt\u00f3rzy stali si\u0119 niewyp\u0142acalni. W wyniku przeprowadzenia post\u0119powania konsumenckiego takie osoby mog\u0105 liczy\u0107 na odd\u0142u\u017cenie. Og\u0142oszenie upad\u0142o\u015bci konsumenckiej nie oznacza, \u017ce d\u0142ugi upad\u0142ego d\u0142u\u017cnika zostan\u0105 umorzone \u201eod r\u0119ki\u201d. Zanim dojdzie do odd\u0142u\u017cenia, syndyk, kt\u00f3ry zostaje ustanowiony przez S\u0105d po otwarciu post\u0119powania upad\u0142o\u015bciowego zobowi\u0105zany jest przeprowadzi\u0107 post\u0119powanie likwidacyjne, kt\u00f3re ma na celu spieni\u0119\u017cenie maj\u0105tku, z kt\u00f3rego s\u0105 sp\u0142acane zobowi\u0105zania upad\u0142ego d\u0142u\u017cnika. Po zako\u0144czeniu likwidacji masy upad\u0142o\u015bci syndyk sk\u0142ada do s\u0105du wniosek o zako\u0144czenie post\u0119powania upad\u0142o\u015bciowego bez ustalania planu sp\u0142aty lub przygotowuje projekt planu sp\u0142aty, a wi\u0119c dokument, z kt\u00f3rego wynika w jakiej wysoko\u015bci i przez jaki okres upad\u0142y b\u0119dzie musia\u0142 dokonywa\u0107 sp\u0142at na rzecz wierzycieli, po zako\u0144czeniu post\u0119powania upad\u0142o\u015bciowego.&nbsp; Co daje upad\u0142o\u015b\u0107 konsumencka? Upad\u0142o\u015b\u0107 konsumencka pozwala osobie prywatnej na odd\u0142u\u017cenie, kt\u00f3re umo\u017cliwia na nowo, bez ci\u0119\u017caru d\u0142ug\u00f3w budowa\u0107 swoje \u017cycie prywatne oraz zawodowe. Wierzytelno\u015bci, kt\u00f3re mog\u0105 zosta\u0107 umorzone to przede wszystkim: S\u0105d na podstawie aktualnego stanu mo\u017cliwo\u015bci finansowych Upad\u0142ego okre\u015bli plan sp\u0142aty, a wi\u0119c w jakich okresach i w jakiej wysoko\u015bci Upad\u0142y powinien sp\u0142aca\u0107 swoje zobowi\u0105zania.&nbsp; Oczywi\u015bcie, je\u015bli sytuacja danej osoby wprost wskazuje, \u017ce nie b\u0119dzie on w stanie sp\u0142aca\u0107 cho\u0107by cz\u0119\u015bci swoich zobowi\u0105za\u0144, S\u0105d powinien zako\u0144czy\u0107 post\u0119powanie upad\u0142o\u015bciowe bez wyznaczenia planu sp\u0142aty, czyli ca\u0142kowicie odd\u0142u\u017cy\u0107 tak\u0105 osob\u0119 i umorzy\u0107 jej zobowi\u0105zania. Nale\u017cy zauwa\u017cy\u0107, \u017ce wielk\u0105 zalet\u0105 upad\u0142o\u015bci konsumenckiej jest umorzenie, po otwarciu post\u0119powania upad\u0142o\u015bciowego, wszelkich wszcz\u0119tych egzekucyjnych, a wi\u0119c mi\u0119dzy innymi post\u0119powa\u0144 komorniczych czy te\u017c windykacji, z kt\u00f3rymi borykaj\u0105 si\u0119 osoby w trudnej sytuacji finansowej. Kto mo\u017ce og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105? Z wnioskiem o otwarcie upad\u0142o\u015bci konsumenckiej mo\u017ce wyst\u0105pi\u0107 d\u0142u\u017cnik b\u0119d\u0105cy osob\u0105 fizyczn\u0105, a wi\u0119c konsument, kt\u00f3ry nie jest przedsi\u0119biorc\u0105 i nie prowadzi dzia\u0142alno\u015bci gospodarczej. Dodatkow\u0105 przes\u0142ank\u0105 jak\u0105 musi spe\u0142ni\u0107 konsument jest jego niewyp\u0142acalno\u015b\u0107. Niewyp\u0142acalno\u015b\u0107 to stan, w kt\u00f3rym d\u0142u\u017cnik nie jest w stanie wykonywa\u0107 swoich wymagalnych zobowi\u0105za\u0144 pieni\u0119\u017cnych, np. nie ma pieni\u0119dzy na jednoczesny zakup \u015brodk\u00f3w codziennego u\u017cytku oraz sp\u0142at\u0119 d\u0142ug\u00f3w.&nbsp; Zgodnie z przepisami prawa upad\u0142o\u015bciowego domniemywa si\u0119, \u017ce d\u0142u\u017cnik utraci\u0142 zdolno\u015b\u0107 do wykonywania swoich wymagalnych zobowi\u0105za\u0144 pieni\u0119\u017cnych, je\u017celi op\u00f3\u017anienie w sp\u0142acaniu d\u0142ug\u00f3w przekracza trzy miesi\u0105ce. Maj\u0105c powy\u017csze na uwadze, osoby b\u0119d\u0105ce w trudnej sytuacji finansowej, kt\u00f3re zalegaj\u0105 ze swoimi bie\u017c\u0105cymi rachunkami jak r\u00f3wnie\u017c osoby, kt\u00f3re wpad\u0142y w spiral\u0119 zad\u0142u\u017cenia (pokrywaj\u0105 raty kredytu zaci\u0105gaj\u0105c kolejny kredyt) powinny si\u0119 zastanowi\u0107, czy upad\u0142o\u015b\u0107 konsumencka nie jest rozwi\u0105zaniem w\u0142a\u015bnie dla nich. Kto nie mo\u017ce og\u0142osi\u0107 upad\u0142o\u015bci konsumenckiej? Jak zosta\u0142o wy\u017cej wskazane, upad\u0142o\u015b\u0107 konsumencka jest przeznaczona wy\u0142\u0105cznie dla os\u00f3b prywatnych, kt\u00f3re nie prowadz\u0105 dzia\u0142alno\u015bci gospodarczej i s\u0105 niewyp\u0142acalni. W zwi\u0105zku z tym s\u0105d odrzuci wniosek konsumencki z\u0142o\u017cony przez osoby, kt\u00f3re: Jak otworzy\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105?&nbsp; S\u0105d mo\u017ce og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105 tylko na wniosek. Zatem wniosek upad\u0142o\u015bciowy ka\u017cdorazowo jest pierwszym krokiem do og\u0142oszenia upad\u0142o\u015bci. Je\u015bli wniosek zosta\u0142 z\u0142o\u017cony prawid\u0142owo i bez brak\u00f3w formalnych, s\u0105d og\u0142osi upad\u0142o\u015b\u0107 konsumenck\u0105. Dalsza procedura wygl\u0105da nast\u0119puj\u0105co: Jak napisa\u0107 wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105? Wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej jest pismem procesowym, kt\u00f3re uruchamia procedur\u0119 upad\u0142o\u015bci opisan\u0105 powy\u017cej. Wniosek ten jest pierwszym i niezwykle wa\u017cnym dokumentem, kt\u00f3ry zostaje poddany ocenie s\u0105du i na podstawie kt\u00f3rego syndyk mo\u017ce dowiedzie\u0107 si\u0119 wi\u0119cej o sytuacji Upad\u0142ego.&nbsp; Dlatego niezwykle istotne jest przygotowanie kompletnego wniosku upad\u0142o\u015bciowego, gdy\u017c mo\u017ce on znacznie przyspieszy\u0107 samo jego rozpoznanie przez S\u0105d jak i u\u0142atwi\u0107 w p\u00f3\u017aniejszym czasie syndykowi ustalenie sytuacji faktycznej Upad\u0142ego, co w prosty spos\u00f3b przek\u0142ada si\u0119 na szybko\u015b\u0107 trwania samej procedury upad\u0142o\u015bciowej. Aby przygotowa\u0107 kompletny wniosek konsumencki nale\u017cy si\u0119 przygotowa\u0107. Nale\u017cy ustali\u0107 wszystkich wierzycieli oraz wierzytelno\u015bci istniej\u0105ce na dzie\u0144 z\u0142o\u017cenia wniosku. Nale\u017cy potwierdzi\u0107 wysoko\u015bci swoich wierzytelno\u015bci oraz jakie s\u0105 ich terminy wymagalno\u015bci. Nale\u017cy r\u00f3wnie\u017c zebra\u0107 dokumenty potwierdzaj\u0105ce istnienie i stan zobowi\u0105za\u0144 takie jak umowy kredytowe, wezwania do zap\u0142aty czy te\u017c dokumentacj\u0119 komornicz\u0105. Warto te\u017c udokumentowa\u0107 aktualn\u0105 sytuacj\u0119 samego d\u0142u\u017cnika tj. jego stan cywilny, stan zdrowia czy te\u017c sytuacj\u0119 zawodow\u0105. Ponadto do wniosku konsumenckiego nale\u017cy do\u0142\u0105czy\u0107 nast\u0119puj\u0105ce informacje: Wniosek konsumencki co do zasady powinien by\u0107 z\u0142o\u017cony elektronicznie przez Portal Rejestr\u00f3w S\u0105dowych, a dok\u0142adniej przez Krajowy Rejestr Zad\u0142u\u017conych. Wniosek konsumencki podlega sta\u0142ej op\u0142acie w wysoko\u015bci 30 z\u0142. Otwarcie post\u0119powania upad\u0142o\u015bciowego \u2013 i co dalej? Z\u0142o\u017cenie wniosku konsumenckiego powinno by\u0107 poprzedzone dok\u0142adn\u0105 analiz\u0105 sytuacji d\u0142u\u017cnika, jak i tego, jakie konsekwencje niesie ze sob\u0105 og\u0142oszenie upad\u0142o\u015bci. Wskazujemy najistotniejsze poni\u017cej: Warto zauwa\u017cy\u0107, \u017ce wszystkie zobowi\u0105zania zaci\u0105gni\u0119te po og\u0142oszeniu upad\u0142o\u015bci takiej jak np. czynsz, media, op\u0142ata za telefon powinny by\u0107 regulowane na bie\u017c\u0105co. Podsumowanie Og\u0142oszenie upad\u0142o\u015bci konsumenckiej jest rozwi\u0105zaniem kompletnym dla os\u00f3b, kt\u00f3re maj\u0105 powa\u017cne problemy finansowe i chc\u0105 raz na zawsze si\u0119 ich pozby\u0107. Jednak\u017ce samo odd\u0142u\u017cenie nie dzieje si\u0119 \u201ez automatu\u201d. Upad\u0142o\u015b\u0107 oznacza pogodzenie si\u0119 z tym, \u017ce syndyk sprzeda maj\u0105tek zebrany przez lata, wi\u0119c jak zosta\u0142o wy\u017cej wspomniane, nale\u017cy powa\u017cnie si\u0119 zastanowi\u0107, czy upad\u0142o\u015b\u0107 konsumencka b\u0119dzie w tym wypadku dobrym wyj\u015bciem.&nbsp; Upad\u0142o\u015b\u0107 konsumencka ma wiele zalet poza odd\u0142u\u017ceniem. Wstrzymanie windykacji i dzia\u0142a\u0144 komorniczych mo\u017ce by\u0107 dla wielu os\u00f3b bardzo atrakcyjne, gdy\u017c takie dzia\u0142ania mog\u0105 mocno odcisn\u0105\u0107 si\u0119 na psychice d\u0142u\u017cnika.&nbsp; Przed zdecydowaniem si\u0119 na z\u0142o\u017cenie wniosku upad\u0142o\u015bciowego dobrym pomys\u0142em jest skonsultowanie si\u0119 ze specjalistami z zakresu prawa upad\u0142o\u015bciowego, kt\u00f3rzy doradz\u0105 jakie dzia\u0142ania nale\u017ca\u0142oby podj\u0105\u0107 przed i w trakcie trwania post\u0119powania upad\u0142o\u015bciowego oraz czy posiadane zobowi\u0105zania uzasadniaj\u0105 wyb\u00f3r post\u0119powania upad\u0142o\u015bciowego jako sposobu na odd\u0142u\u017cenie.&nbsp;<\/p>","protected":false},"author":15,"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 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