{"id":5120,"date":"2024-10-08T11:45:24","date_gmt":"2024-10-08T09:45:24","guid":{"rendered":"https:\/\/newpmr.restrukturyzacja.app\/?p=5120"},"modified":"2025-05-30T18:09:07","modified_gmt":"2025-05-30T18:09:07","slug":"consumer-bankruptcy-how-long-does-the-procedure-take","status":"publish","type":"post","link":"https:\/\/newpmr.restrukturyzacja.app\/en\/consumer-bankruptcy-how-long-does-the-procedure-take\/","title":{"rendered":"Consumer bankruptcy \u2013 How long does the procedure take?"},"content":{"rendered":"<p>Consumer bankruptcy is definitely becoming more popular among people with financial problems. A large group of such people wonder whether they can declare bankruptcy without any assets and how long such proceedings will take.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Contents:<\/strong><br><br><\/h4>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/a><\/li><li><a href=\"#aioseo-upadlosc-konsumencka-co-to-jest\">Consumer bankruptcy \u2013 what is it?<\/a><\/li><li><a href=\"#aioseo-kto-moze-oglosic-upadlosc-konsumencka\">Who can declare consumer bankruptcy?<\/a><\/li><li><a href=\"#aioseo-ile-trwa-postepowanie-upadlosciowe\">How long does bankruptcy proceedings take?<\/a><\/li><li><a href=\"#aioseo-jak-otworzyc-postepowanie-upadlosciowe\">How to open bankruptcy proceedings<\/a><\/li><li><a href=\"#aioseo-przebieg-postepowania-upadlosciowego\">The course of bankruptcy proceedings<\/a><\/li><li><a href=\"#aioseo-podsumowanie\">Summary<\/a><\/li><\/ul><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-kilka-slow-o-artykule-posluchaj\">A few words about the article - Listen<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/10\/Upadlosc-konsumencka-\u2013-Ile-trwa-postepowanie.mp3\"><\/audio><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-upadlosc-konsumencka-co-to-jest\"><strong>Consumer bankruptcy \u2013 what is it?<\/strong><\/h4>\n\n\n\n<p>Consumer bankruptcy is a bankruptcy procedure that is opened in relation to individuals who do not conduct business activity and are unable to repay their liabilities. It often happens that such individuals do not have assets that could be allocated <a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/can-a-creditor-file-a-petition-for-the-bankruptcy-of-a-debtor\/\" title=\"\">to pay off creditors<\/a>, or covering the costs of bankruptcy proceedings, but this is not a negative premise preventing the opening of such proceedings. In such a situation, after the opening of the proceedings, the State Treasury covers the costs on behalf of the Bankrupt consumer. According to the provisions of the bankruptcy law, the main purpose of the proceedings is to discharge the Bankrupt&#039;s debts. Such proceedings most often end with a partial or complete cancellation of the Bankrupt consumer&#039;s liabilities<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-kto-moze-oglosic-upadlosc-konsumencka\"><strong>Who can declare consumer bankruptcy?<\/strong><\/h4>\n\n\n\n<p>Consumer bankruptcy may be declared - as the name suggests - by a consumer, i.e. a natural person who does not conduct business activity and is not an entrepreneur or a partner in a professional partnership or a partner in a commercial partnership, being liable for the obligations of the company without limitation with all his or her assets.<\/p>\n\n\n\n<p>In order to have the legitimacy to declare consumer bankruptcy, one condition must be met, i.e. to be insolvent within the meaning of the Bankruptcy Law. According to this act, an insolvent person is considered to be a person who has lost the ability to settle their obligations for a period of at least three months. At the same time, it is worth noting that the court will dismiss the bankruptcy petition if bankruptcy proceedings were conducted against the applicant within 10 years from the date of filing the bankruptcy petition.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-ile-trwa-postepowanie-upadlosciowe\"><strong>How long does bankruptcy proceedings take?<\/strong><\/h4>\n\n\n\n<p>It is worth noting here that consumer bankruptcy is an exceptional procedure and differs from bankruptcy proceedings conducted against other business entities. First of all, as mentioned above, bankruptcy proceedings may be opened against a consumer even if they do not have sufficient funds to cover the costs of the proceedings, which in the case of business entities would result in the dismissal of the bankruptcy application.&nbsp;<\/p>\n\n\n\n<p>It is this factor that significantly affects the duration of consumer bankruptcy. The lack of assets means that the trustee performing the function in the proceedings does not collect and does not monetize the assets of the Bankrupt in order to satisfy the creditors. In connection with the above, consumer bankruptcy can be carried out even in a few months. In a situation where the Bankrupt has assets, the tasks of the trustee<a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/consumer-bankruptcy-information\/\" title=\"\"> there is liquidation, i.e. sale of this property<\/a>. In such cases, the cooperation of the Bankrupt with the trustee is extremely important. The more efficiently the Bankrupt hands over the assets to the trustee, the faster the trustee will start the liquidation and thus the faster the bankruptcy proceedings themselves will end.<\/p>\n\n\n\n<p>To understand the entire procedure, we present all stages of the consumer procedure below.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/bankruptcy-declaration-what-how-and-when-to-do\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"827\" height=\"354\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png\" alt=\"\" class=\"wp-image-12235\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1.png 827w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-300x128.png 300w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/Posty-na-strone-1-768x329.png 768w, https:\/\/newpmr.restrukturyzacja.app\/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><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-jak-otworzyc-postepowanie-upadlosciowe\"><strong>How to open bankruptcy proceedings<\/strong><\/h4>\n\n\n\n<p>First, a bankruptcy petition must be prepared and filed with the appropriate court with the required attachments. This is of course a formality, but an extremely important one. Already at the stage of preparing the bankruptcy petition, the applicant can influence the speed of the proceedings. A properly prepared petition will speed up the work of the court if the relevant facts, conclusions and justifications are presented in a clear and transparent manner, and can also have a positive impact on the later work of the trustee, who, upon receiving the Bankrupt&#039;s petition, will be able to establish all the facts based on the petition and will not have to determine the actual state of affairs of the Bankrupt on his own.<\/p>\n\n\n\n<p>The bankruptcy application is filed via the electronic system called the National Debt Register (KRZ). To file an application for consumer bankruptcy, the consumer must have an account in the KRZ system. People who are digitally excluded, who are usually the elderly or those who do not have access to the internet, have the option of filing an application for consumer bankruptcy on a paper form. The application form can be found on the websites of the courts or collected from the court&#039;s registry office.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-przebieg-postepowania-upadlosciowego\"><strong>The course of bankruptcy proceedings<\/strong><\/h4>\n\n\n\n<p>Then, after the bankruptcy is declared, the trustee immediately notifies the creditors, bailiffs conducting enforcement against the bankrupt, of this fact, of whom the trustee is aware (and therefore indicated in the bankruptcy application). From the moment of making the announcement in the KRZ, creditors have 30 days to register for the proceedings.&nbsp;<\/p>\n\n\n\n<p>During bankruptcy proceedings, one of the first actions taken by the trustee is to determine the status of the bankruptcy estate. At the same time, if there are no funds for the costs of the proceedings, the trustee applies to the State Treasury for an advance payment for the costs of the proceedings and if the bankrupt had assets that the trustee can sell, he liquidates the bankrupt&#039;s assets.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/contact\/\"><img decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/bh7-1024x421.jpg\" alt=\"\" class=\"wp-image-7907\" style=\"width:1483px;height:auto\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/bh7-1024x421.jpg 1024w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/bh7-300x123.jpg 300w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/bh7-768x316.jpg 768w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/11\/bh7.jpg 1337w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>After the liquidation of the bankruptcy estate is completed, the trustee files a motion with the court to terminate the bankruptcy proceedings without establishing a repayment plan or prepares a draft repayment plan, i.e. a document that specifies the amount and period of time the bankrupt will have to make repayments to creditors after the bankruptcy proceedings are completed. Such a plan is established for a period of up to 36 months or, if the documentation collected in the case files indicates that the bankrupt has caused their insolvency or significantly increased its degree intentionally or as a result of gross negligence, this period may be extended to up to 7 years.&nbsp;<\/p>\n\n\n\n<p>The repayment plan specifies the part of the debt and the period in which this part of the debt is to be repaid by the bankrupt as well as the part of the debt that is subject to cancellation. In exceptional situations, it may be shortened or extended. The repayment plan may change if the financial situation of the Bankrupt changes significantly.&nbsp;<br>Ultimately, it is the court that determines <a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/comprehensive-bankruptcy-advice-2\/\" title=\"\">Bankrupt&#039;s repayment plan<\/a>. The court is not bound by either the draft repayment plan established by the Trustee or the position of the bankrupt. The court takes into account the economic possibilities of the Bankrupt and his private life situation. As a rule, the repayment plan is established for a period of 36 months, but there are exceptions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If it is established during the proceedings that the Bankrupt will repay at least PLN 70% of his liabilities, the repayment plan cannot be longer than 12 months<\/li>\n\n\n\n<li>If it is determined during the proceedings that the Bankrupt will repay at least 50% of his liabilities, the repayment plan cannot be longer than 24 months<\/li>\n\n\n\n<li>If during the proceedings it is established that the bankrupt caused his situation intentionally or he demonstrates gross negligence, the court may decide to extend the repayment plan to a maximum of 84 months.<\/li>\n\n\n\n<li><strong>If the financial situation of the Bankrupt clearly indicates that he is unable to implement any repayment plan, the Court may rule that no repayment plan be established<\/strong>. Then the Bankrupt is discharged of debt on the date the decision on termination of bankruptcy proceedings becomes final.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-podsumowanie\"><strong>Summary<\/strong><\/h4>\n\n\n\n<p>How long does consumer bankruptcy last? There is no way to answer this question unequivocally, because each person&#039;s situation is different, which means that the authorities must perform appropriate duties. The actual bankruptcy proceedings - i.e. without the execution of a repayment plan - should be completed within six months, assuming that the Bankrupt cooperates with the authorities of the proceedings and does everything to ensure that the proceedings are completed quickly.<\/p>\n\n\n\n<p><strong>At this point, it is worth recalling and emphasizing that:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/newpmr.restrukturyzacja.app\/en\/consumer-bankruptcy\/\"><img decoding=\"async\" width=\"775\" height=\"185\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2025\/03\/02-upadlosc-konsumencka.jpg\" alt=\"\" class=\"wp-image-11821\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2025\/03\/02-upadlosc-konsumencka.jpg 775w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2025\/03\/02-upadlosc-konsumencka-300x72.jpg 300w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2025\/03\/02-upadlosc-konsumencka-768x183.jpg 768w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2025\/03\/02-upadlosc-konsumencka-18x4.jpg 18w\" sizes=\"(max-width: 775px) 100vw, 775px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprehensive arrangement of your affairs before filing for bankruptcy;<\/li>\n\n\n\n<li>submitting a complete and well-considered bankruptcy petition;<\/li>\n\n\n\n<li>no assets that can be sold as part of the proceedings;<\/li>\n\n\n\n<li>proper cooperation with the trustee during the proceedings;<\/li>\n<\/ul>\n\n\n\n<p>may have a positive impact on both the duration of the proceedings and its outcome in the form of complete write-off of the bankrupt&#039;s liabilities.<\/p>\n\n\n\n<p>Therefore, it is worth considering using the help of professionals who will advise you on how to prepare for the bankruptcy proceedings themselves, how to write an appropriate bankruptcy petition, and what situations the debtor should be prepared for during bankruptcy and what to expect after it ends.<\/p>","protected":false},"excerpt":{"rendered":"<p>Upad\u0142o\u015b\u0107 konsumencka zdecydowanie cieszy si\u0119 coraz wi\u0119kszym zainteresowaniem w\u015br\u00f3d os\u00f3b maj\u0105cych problemy finansowe. Du\u017ce grono takich os\u00f3b zastanawia si\u0119, czy mog\u0105 og\u0142osi\u0107 upad\u0142o\u015b\u0107 nie posiadaj\u0105c \u017cadnego maj\u0105tku oraz ile b\u0119dzie trwa\u0142o takie post\u0119powanie. Spis Tre\u015bci: Kilka s\u0142\u00f3w o artykule- Pos\u0142uchaj Upad\u0142o\u015b\u0107 konsumencka \u2013 co to jest Upad\u0142o\u015b\u0107 konsumencka jest to post\u0119powanie upad\u0142o\u015bciowe, kt\u00f3re otwiera si\u0119 w stosunku do os\u00f3b fizycznych, kt\u00f3re nie prowadz\u0105 dzia\u0142alno\u015bci gospodarczej i s\u0105 niezdolne do sp\u0142aty swoich zobowi\u0105za\u0144. Cz\u0119sto zdarza si\u0119, \u017ce takie osoby nie posiadaj\u0105 maj\u0105tku, kt\u00f3ry m\u00f3g\u0142by zosta\u0107 przeznaczony na sp\u0142at\u0119 wierzycieli, b\u0105d\u017a pokrycie koszt\u00f3w post\u0119powania upad\u0142o\u015bciowego, lecz to nie jest negatywn\u0105 przes\u0142ank\u0105 uniemo\u017cliwiaj\u0105c\u0105 otwarcie takiego post\u0119powania. W takiej sytuacji, po otwarciu post\u0119powania, Skarb Pa\u0144stwa pokrywa koszty w imieniu Upad\u0142ego konsumenta.&nbsp; Zgodnie z przepisami prawa upad\u0142o\u015bciowego g\u0142\u00f3wnym celem post\u0119powania jest odd\u0142u\u017cenie Upad\u0142ego. Takie post\u0119powanie najcz\u0119\u015bciej ko\u0144czy si\u0119 cz\u0119\u015bciowym b\u0105d\u017a ca\u0142kowitym umorzeniem zobowi\u0105za\u0144 Upad\u0142ego konsumenta Kto mo\u017ce og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105 Upad\u0142o\u015b\u0107 konsumenck\u0105 mo\u017ce og\u0142osi\u0107 \u2013 jak sama nazwa wskazuje \u2013 konsument, czyli osoba fizyczna, kt\u00f3ra nie prowadzi dzia\u0142alno\u015bci gospodarczej i nie jest przedsi\u0119biorc\u0105 lub wsp\u00f3lnikiem sp\u00f3\u0142ki partnerskiej lub wsp\u00f3lnikiem osobowej sp\u00f3\u0142ki handlowej, ponosz\u0105cym odpowiedzialno\u015b\u0107 za zobowi\u0105zania sp\u00f3\u0142ki bez ograniczenia ca\u0142ym swoim maj\u0105tkiem. Aby posiada\u0107 legitymacj\u0119 do og\u0142oszenia upad\u0142o\u015bci konsumenckiej nale\u017cy spe\u0142ni\u0107 jeden warunek tzn. by\u0107 niewyp\u0142acalnym w rozumieniu ustawy Prawo Upad\u0142o\u015bciowe. Zgodnie z t\u0105 ustaw\u0105, za osob\u0119 niewyp\u0142acaln\u0105 uwa\u017ca si\u0119 osob\u0119, kt\u00f3ra utraci\u0142a zdolno\u015b\u0107 regulowania swoich zobowi\u0105za\u0144 przez okres co najmniej trzech miesi\u0119cy. Jednocze\u015bnie warto zaznaczy\u0107, \u017ce s\u0105d oddali wniosek o og\u0142oszenie upad\u0142o\u015bci je\u015bli wobec wnioskodawcy by\u0142o prowadzone post\u0119powanie upad\u0142o\u015bciowe w ci\u0105gu 10 lat od dnia z\u0142o\u017cenia wniosku upad\u0142o\u015bciowego. Ile trwa post\u0119powanie upad\u0142o\u015bciowe Warto w tym miejscu zaznaczy\u0107, \u017ce upad\u0142o\u015b\u0107 konsumencka jest post\u0119powaniem wyj\u0105tkowym i r\u00f3\u017cni si\u0119 od post\u0119powania upad\u0142o\u015bciowego prowadzonego wobec innych podmiot\u00f3w gospodarczych. Przede wszystkim, jak ju\u017c wspomniano wy\u017cej, wobec konsumenta mo\u017ce by\u0107 otwarte post\u0119powanie upad\u0142o\u015bciowe nawet je\u015bli nie posiada wystarczaj\u0105cych \u015brodk\u00f3w na pokrycie koszt\u00f3w post\u0119powania, co w przypadku podmiot\u00f3w gospodarczych skutkowa\u0142oby oddaleniem wniosku upad\u0142o\u015bciowego.&nbsp; To w\u0142a\u015bnie ten czynnik znacz\u0105co wp\u0142ywa na czas trwania upad\u0142o\u015bci konsumenckiej. Brak maj\u0105tku oznacza, \u017ce syndyk sprawuj\u0105cy funkcj\u0119 w post\u0119powaniu nie gromadzi i nie spieni\u0119\u017ca maj\u0105tku Upad\u0142ego w celu zaspokojenia wierzycieli. W zwi\u0105zku z powy\u017cszym upad\u0142o\u015b\u0107 konsumencka mo\u017ce zosta\u0107 przeprowadzona nawet w kilka miesi\u0119cy. W sytuacji kiedy Upad\u0142y posiada maj\u0105tek, do zada\u0144 syndyka jest likwidacja, czyli sprzeda\u017c tego maj\u0105tku. Wtedy niezwykle wa\u017cna jest wsp\u00f3\u0142praca Upad\u0142ego z syndykiem. Im sprawniej Upad\u0142y wyda syndykowi maj\u0105tek, tym szybciej syndyk przyst\u0105pi do likwidacji i tym samym szybciej zako\u0144czy samo post\u0119powanie upad\u0142o\u015bciowe. Aby zrozumie\u0107 ca\u0142\u0105 procedur\u0119 post\u0119powania poni\u017cej przedstawiamy wszystkie etapy post\u0119powania konsumenckiego. Jak otworzy\u0107 post\u0119powanie upad\u0142o\u015bciowe W pierwszej kolejno\u015bci nale\u017cy sporz\u0105dzi\u0107 wniosek upad\u0142o\u015bciowy i z\u0142o\u017cy\u0107 w odpowiednim s\u0105dzie z wymaganymi za\u0142\u0105cznikami. Jest to oczywi\u015bcie formalno\u015b\u0107, ale niezwykle wa\u017cna. Ju\u017c na etapie sporz\u0105dzenia wniosku upad\u0142o\u015bciowego wnioskodawca sam mo\u017ce wp\u0142yn\u0105\u0107 na szybko\u015b\u0107 przeprowadzenia post\u0119powania. Odpowiednio przygotowany wniosek przyspieszy prac\u0119 s\u0105du, je\u015bli w jasny i przejrzysty spos\u00f3b zostan\u0105 przedstawione odpowiednie fakty, wnioski i uzasadnienia, a tak\u017ce mo\u017ce pozytywnie wp\u0142yn\u0105\u0107 na p\u00f3\u017aniejsz\u0105 prac\u0119 syndyka, kt\u00f3ry otrzymuj\u0105c wniosek Upad\u0142ego, b\u0119dzie w stanie ustali\u0107 wszystkie fakty na podstawie wniosku i nie b\u0119dzie musia\u0142 na w\u0142asn\u0105 r\u0119k\u0119 ustala\u0107 stanu faktycznego w jakim znajduje si\u0119 Upad\u0142y. Wniosek upad\u0142o\u015b\u0107iowy sk\u0142ada si\u0119 za po\u015brednictwem systemu teleinformatycznego pod nazw\u0105 Krajowy Rejestr Zad\u0142u\u017conych (KRZ). Aby z\u0142o\u017cy\u0107 wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej konsument zobowi\u0105zany jest posiada\u0107 konto w systemie KRZ. Osoby, kt\u00f3re s\u0105 wykluczone cyfrowo, kt\u00f3rymi zazwyczaj s\u0105 osoby starsze lub nie maj\u0105ce dost\u0119pu do internetu maj\u0105 mo\u017cliwo\u015b\u0107 z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci konsumenckiej na formularzu w wersji papierowej. Formularz wniosku mo\u017cna znale\u017a\u0107 na stronach internetowych s\u0105d\u00f3w lub pobra\u0107 w biurze podawczym s\u0105du. Przebieg post\u0119powania upad\u0142o\u015bciowego Nast\u0119pnie, ju\u017c po og\u0142oszeniu upad\u0142o\u015bci syndyk niezw\u0142ocznie zawiadamia o tym fakcie wierzycieli, komornik\u00f3w prowadz\u0105cych egzekucj\u0119 wobec upad\u0142ego, o kt\u00f3rych syndyk wie (a wi\u0119c wykazanych we wniosku upad\u0142o\u015bciowym). Od momentu dokonania obwieszczenia w KRZ wierzyciele maj\u0105 30 dni na zg\u0142oszenie si\u0119 do post\u0119powania.&nbsp; W toku post\u0119powania upad\u0142o\u015bciowego jedn\u0105 z pierwszych czynno\u015bci jakie podejmuje syndyk jest ustalenie stanu masy upad\u0142o\u015bci. Jednocze\u015bnie w przypadku braku \u015brodk\u00f3w na koszty post\u0119powania syndyk wnioskuje do Skarbu Pa\u0144stwa o zaliczk\u0119 na koszty post\u0119powania i je\u015bli upad\u0142y posiada\u0142 maj\u0105tek, kt\u00f3ry syndyk mo\u017ce spieni\u0119\u017cy\u0107, dokonuje on likwidacji maj\u0105tku upad\u0142ego. 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 projet planu sp\u0142aty, a wi\u0119c dokument z kt\u00f3rego wynika w jakiej wysoko\u015bci i przez jaki okres czasu upad\u0142y b\u0119dzie musia\u0142 dokonywa\u0107 sp\u0142at na rzecz wierzycieli, po zako\u0144czeniu postepowania upad\u0142o\u015bciowego. Taki plan jest ustalany na okres do 36 miesi\u0119cy lub w przypadku je\u017celi zgromadzona dokumentacja w aktach sprawy wskazuje, \u017ce upad\u0142y doprowadzi\u0142 do swojej niewyp\u0142acalno\u015bci lub istotnie zwi\u0119kszy\u0142 jej stopie\u0144 umy\u015blnie lub wskutek ra\u017c\u0105cego niedbalstwa okres ten mo\u017ce zosta\u0107 wyd\u0142u\u017cony nawet do 7 lat.&nbsp; Plan sp\u0142aty okre\u015bla cz\u0119\u015b\u0107 zad\u0142u\u017cenia i okres w jakim ta cz\u0119\u015b\u0107 zad\u0142u\u017cenia ma by\u0107 sp\u0142acana przez upad\u0142ego jak r\u00f3wnie\u017c cz\u0119\u015b\u0107 zad\u0142u\u017cenia jaka podlega umorzeniu. W wyj\u0105tkowych sytuacjach mo\u017ce on zosta\u0107 skr\u00f3cony lub wyd\u0142u\u017cony. plan sp\u0142aty mo\u017ce ulec zmianie, je\u015bli w spos\u00f3b istotny zmieni si\u0119 sytuacja finansowa Upad\u0142ego.&nbsp;Ostatecznie to s\u0105d okre\u015bla plan sp\u0142aty Upad\u0142ego. S\u0105d nie jest zwi\u0105zany ani projektem planu sp\u0142aty ustalanym przez Syndyka, ani stanowiskiem upad\u0142ego. S\u0105d bierze pod uwag\u0119 mo\u017cliwo\u015bci ekonomiczne Upad\u0142ego jak i jego prywatn\u0105 sytuacj\u0119 \u017cyciow\u0105. Co do zasady plan sp\u0142aty jest ustalany na okres 36 miesi\u0119cy, lecz s\u0105 od tego odst\u0119pstwa: Podsumowanie Ile trwa upad\u0142o\u015b\u0107 konsumencka? Nie spos\u00f3b jest jednoznacznie odpowiedzie\u0107 na to pytanie, gdy\u017c sytuacja ka\u017cdej osoby jest inna, co sprawia, \u017ce organy musz\u0105 wykonywa\u0107 odpowiednie obowi\u0105zki. W\u0142a\u015bciwe post\u0119powanie upad\u0142o\u015bciowe \u2013 a wi\u0119c bez wykonania planu sp\u0142at \u2013 powinno zosta\u0107 zako\u0144czone maksymalnie do sze\u015bciu miesi\u0119cy, zak\u0142adaj\u0105c, \u017ce Upad\u0142y wsp\u00f3\u0142pracuje z organami post\u0119powania i sam robi wszystko, aby to post\u0119powanie zosta\u0142o szybko zako\u0144czone. W tym miejscu, warto przypomnie\u0107 i podkre\u015bli\u0107, \u017ce: mo\u017ce wp\u0142yn\u0105\u0107 pozytywnie zar\u00f3wno czas trwania post\u0119powania jak i na jego wynik w postaci ca\u0142kowitego umorzenia zobowi\u0105za\u0144 upad\u0142ego. Dlatego warto rozwa\u017cy\u0107 skorzystanie z pomocy profesjonalist\u00f3w, kt\u00f3rzy doradz\u0105 jak przygotowa\u0107 si\u0119 do samego post\u0119powania upad\u0142o\u015bciowego, jak napisa\u0107 odpowiedni wniosek upad\u0142o\u015bciowy oraz na jakie sytuacje d\u0142u\u017cnik powinien by\u0107 przygotowany w trakcie trwania upad\u0142o\u015bci i czego spodziewa\u0107 si\u0119 po jej zako\u0144czeniu.<\/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 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":[34],"class_list":["post-5120","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":34,"user_id":15,"is_guest":0,"slug":"d-anisimowiczpmr-restructuring-pl","display_name":"Daniel Anisimowicz","avatar_url":{"url":"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg","url2x":"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/daniel-anisimowicz1-1.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/posts\/5120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/comments?post=5120"}],"version-history":[{"count":0,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/posts\/5120\/revisions"}],"wp:attachment":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/media?parent=5120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/categories?post=5120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/tags?post=5120"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/ppma_author?post=5120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}