{"id":5810,"date":"2017-07-03T08:17:25","date_gmt":"2017-07-03T06:17:25","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/alimenty-wstydliwe-dlugi-polakow\/"},"modified":"2025-01-31T18:13:15","modified_gmt":"2025-01-31T18:13:15","slug":"alimony-shameful-debts-of-poles","status":"publish","type":"post","link":"https:\/\/newpmr.restrukturyzacja.app\/en\/alimony-shameful-debts-of-poles\/","title":{"rendered":"Alimony - an embarrassing debt for Poles"},"content":{"rendered":"

As many as 82.5 per cent of Poles do not consider having debts to be a shameful fact. Only 13.6 per cent consider any loan to be a reason to be ashamed. This is probably due to the fact that, 28 years after the political transformation, we are joining the countries of Western Europe, where it is natural to incur financial obligations.<\/p>\n

However, when Poles are asked about specific modes of debt (mortgage, car loan, credit card and others), respondents' attitudes towards debt change. Fewer people say that all debts are embarrassing (only 10%, a drop of almost 4%). On the other hand, there is a drastic change in the number of people who believe that no financial obligation is a cause for shame. Although as many as almost 83 per cent of respondents said this at the beginning, when questions about maintenance debts, the use of chwil\u00f3wki or pawnbrokers come up - the number drops to around 19 per cent.<\/p>\n

Censored alimony<\/b><\/p>\n

About what in debt<\/a> are we ashamed to tell our friends? Here, alimony debt is breaking records \u2013 as many as 46.8% of respondents would not like to admit to it. Failure to pay alimony is a serious problem for Poles \u2013 according to data from the Ministry of Justice, as many as 80% of people who have been awarded these benefits do not meet their obligation to pay child support.<\/p>\n

According to research commissioned by the law firm PMR Restrukturyzacje, using a pawn shop and taking a loan against collateral is also a source of embarrassment - 41.8 per cent of people find it shameful. As many as 38.6 people are ashamed of so-called 'chwil\u00f3wki', i.e. loans from money lenders that do not check the customer's credit history in the BIK, for which they charge usurious interest rates.<\/p>\n

Late payment of household bills for rent, electricity and gas is a source of embarrassment for 33.2 per cent of people. Far fewer respondents are embarrassed by late payments to ZUS and the tax office - only 25 per cent would not want to talk about it with friends.<\/p>\n

Credit is for the people<\/b><\/p>\n

We are not embarrassed by having a mortgage - it is normal debt for 45.7 per cent of those surveyed. The same is true of investment credit taken out by entrepreneurs - 39.6 per cent of people do not find it embarrassing. Car credit (38.2 per cent), credit cards (35.7 per cent) and bank loans (33.2 per cent) are also accepted. Slightly less acceptable are loans for household appliances, a TV or a computer - only 26.4 per cent of respondents would admit to this in front of friends. A loan from family is also no reason to be ashamed - 30.7 per cent of respondents would not be reluctant to admit it.<\/p>\n

\u2013 I am not surprised by these studies and it seems to me that they reflect our approach to debt very well. Poles treat mortgage and investment loans as something natural and no one is ashamed of it \u2013 says Ma\u0142gorzata Anisimowicz, president of the PMR Restrukturyzacje SA law firm. \u2013 When we are dealing with consumer bankruptcies<\/a>, debtors are very reluctant to admit to taking out so-called payday loans. Also, the fact that they use pawnshops, which indicates their poor financial condition, is usually revealed only after some time - he adds.<\/div>\n

In my opinion restructuring adviser<\/a> Poles find it easier to admit to the obligations they themselves incur. When they make an obligation, they do so consciously. On the other hand, alimony debts, which in the vast majority of cases result from a court judgment (i.e., in some percentage of cases, from losing), are a source of shame for many people.<\/p>\n

The material appeared on biznes.interia.pl:
\n<\/b>
\n10 June 2017:
\n\" Shameful debts of Poles<\/a><\/div>","protected":false},"excerpt":{"rendered":"

A\u017c 82,5 proc. Polak\u00f3w nie uwa\u017ca posiadania d\u0142ug\u00f3w za wstydliwy fakt. Zaledwie 13,6 proc. uznaje, \u017ce ka\u017cda po\u017cyczka to pow\u00f3d do wstydu. Prawdopodobnie wynika to z faktu, \u017ce po 28 latach od transformacji ustrojowej do\u0142\u0105czamy do kraj\u00f3w Europy Zachodniej, gdzie naturalne jest zaci\u0105ganie zobowi\u0105za\u0144 finansowych. Kiedy jednak Polacy pytani s\u0105 o konkretne sposoby zad\u0142u\u017cenia (kredyt hipoteczny, samochodowy, kart\u0119 kredytow\u0105 i inne), zmienia si\u0119 stosunek badanych do d\u0142ugu. Mniej os\u00f3b twierdzi, \u017ce wszystkie d\u0142ugi s\u0105 wstydliwe (tylko 10 proc., spadek o niemal 4 proc.). Drastycznie zmienia si\u0119 za to liczba os\u00f3b, kt\u00f3re uwa\u017caj\u0105, \u017ce \u017cadne zobowi\u0105zanie finansowe nie jest powodem do wstydu. Cho\u0107 na pocz\u0105tku twierdzi\u0142o tak a\u017c prawie 83 proc. badanych, w momencie gdy pojawiaj\u0105 si\u0119 pytania o zad\u0142u\u017cenie alimentacyjne, korzystanie z chwil\u00f3wek czy lombardu – liczba ta spada do ok. 19 proc. Alimenty na cenzurowanym O jakich d\u0142ugach wstydzimy si\u0119 m\u00f3wi\u0107 naszym znajomym? Tutaj rekordy bije zad\u0142u\u017cenie alimentacyjne – a\u017c 46,8 proc. badanych os\u00f3b nie chcia\u0142oby si\u0119 do niego przyznawa\u0107. Niep\u0142acenie aliment\u00f3w to powa\u017cny problem Polak\u00f3w – jak wynika z danych Ministerstwa Sprawiedliwo\u015bci, a\u017c 80 proc. os\u00f3b, kt\u00f3re maj\u0105 zas\u0105dzone te \u015bwiadczenia, nie wywi\u0105zuje si\u0119 z obowi\u0105zku p\u0142acenia na dzieci. Jak wynika z bada\u0144 na zlecenie kancelarii PMR Restrukturyzacje, powodem do wstydu jest r\u00f3wnie\u017c korzystanie z lombardu i branie po\u017cyczki pod zastaw – 41,8 proc. os\u00f3b uwa\u017ca to za wstydliwe. A\u017c 38,6 os\u00f3b kr\u0119puje si\u0119 tzw. chwil\u00f3wek, czyli po\u017cyczek z parabank\u00f3w, kt\u00f3re nie sprawdzaj\u0105 historii kredytowej klienta w BIK, za co pobieraj\u0105 lichwiarskie odsetki. Op\u00f3\u017anienia w p\u0142atno\u015bciach domowych rachunk\u00f3w za czynsz, pr\u0105d i gaz to pow\u00f3d do skr\u0119powania dla 33,2 proc. os\u00f3b. Zdecydowanie mniej badanych wstydzi si\u0119 op\u00f3\u017anienia w p\u0142atno\u015bciach do ZUS-u i urz\u0119du skarbowego – tylko dla 25 proc. nie chcia\u0142oby o tym rozmawia\u0107 ze znajomymi. Kredyty s\u0105 dla ludzi Nie zawstydza nas posiadanie kredytu hipotecznego – to normalne zad\u0142u\u017cenie dla 45,7 proc. badanych. Podobnie jest z kredytem inwestycyjnym zaci\u0105ganym przez przedsi\u0119biorc\u00f3w – 39,6 proc. os\u00f3b nie uwa\u017ca tego za kr\u0119puj\u0105ce. Akceptujemy r\u00f3wnie\u017c kredyt samochodowy (38,2 proc.), karty kredytowe (35,7 proc.) oraz po\u017cyczki bankowe (33,2 proc.). Nieco mniejsz\u0105 akceptowalno\u015bci\u0105 ciesz\u0105 si\u0119 po\u017cyczki na sprz\u0119t gospodarstwa domowego, telewizor czy komputer – tylko 26,4 proc. badanych przyzna\u0142oby si\u0119 do nich przed znajomymi. Powodem do wstydu nie jest r\u00f3wnie\u017c po\u017cyczka od rodziny – 30,7 proc. badanych nie mia\u0142oby opor\u00f3w, aby si\u0119 do niej przyzna\u0107. – Nie zaskoczy\u0142y mnie te badania i wydaje mi si\u0119, \u017ce bardzo dobrze odzwierciedlaj\u0105 nasze podej\u015bcie do d\u0142ug\u00f3w. Kredyty hipoteczne, inwestycyjne Polacy traktuj\u0105 jak co\u015b naturalnego i nikt si\u0119 tego nie wstydzi – uwa\u017ca Ma\u0142gorzata Anisimowicz, prezes kancelarii PMR Restrukturyzacje SA. – Kiedy mamy do czynienia z upad\u0142o\u015bciami konsumenckimi, d\u0142u\u017cnicy bardzo niech\u0119tnie przyznaj\u0105 si\u0119 do zaci\u0105gania tzw. chwil\u00f3wek. Tak\u017ce fakt, i\u017c korzystaj\u0105 z lombard\u00f3w, co \u015bwiadczy o ich z\u0142ej kondycji finansowej, zazwyczaj ujawnia si\u0119 dopiero po jakim\u015b czasie – dodaje. Zdaniem doradcy restrukturyzacyjnego Polakom \u0142atwiej przyzna\u0107 si\u0119 do tych zobowi\u0105za\u0144, kt\u00f3re sami zaci\u0105gaj\u0105. Podejmuj\u0105c zobowi\u0105zanie, podejmuj\u0105 je \u015bwiadomie. Natomiast zad\u0142u\u017cenia np. alimentacyjne, kt\u00f3re w znacznej wi\u0119kszo\u015bci wynikaj\u0105 z wyroku s\u0105dowego (czyli w jakim\u015b procencie z przegranej), s\u0105 dla wielu os\u00f3b powodem do wstydu. Materia\u0142 ukaza\u0142 si\u0119 w serwisie biznes.interia.pl: dnia 10 czerwca 2017: \u00bb Wstydliwe d\u0142ugi Polak\u00f3w<\/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-5810","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:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/posts\/5810","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/comments?post=5810"}],"version-history":[{"count":0,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/posts\/5810\/revisions"}],"wp:attachment":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/media?parent=5810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/categories?post=5810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/tags?post=5810"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/en\/wp-json\/wp\/v2\/ppma_author?post=5810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}