{"id":975,"date":"2024-09-23T07:49:49","date_gmt":"2024-09-23T07:49:49","guid":{"rendered":"https:\/\/newpmr.restrukturyzacja.app\/?page_id=975"},"modified":"2025-05-16T16:38:10","modified_gmt":"2025-05-16T16:38:10","slug":"%d1%96%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d1%96%d1%8f-%d0%bf%d1%80%d0%be-%d0%b1%d0%b0%d0%bd%d0%ba%d1%80%d1%83%d1%82%d1%81%d1%82%d0%b2%d0%be-%d1%81%d0%bf%d0%be%d0%b6%d0%b8%d0%b2%d0%b0%d1%87","status":"publish","type":"page","link":"https:\/\/newpmr.restrukturyzacja.app\/uk\/%d1%96%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d1%96%d1%8f-%d0%bf%d1%80%d0%be-%d0%b1%d0%b0%d0%bd%d0%ba%d1%80%d1%83%d1%82%d1%81%d1%82%d0%b2%d0%be-%d1%81%d0%bf%d0%be%d0%b6%d0%b8%d0%b2%d0%b0%d1%87\/","title":{"rendered":"\u0411\u0430\u043d\u043a\u0440\u0443\u0442\u0441\u0442\u0432\u043e \u0441\u043f\u043e\u0436\u0438\u0432\u0430\u0447\u0430 \u2013 \u0456\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0456\u044f"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"975\" class=\"elementor elementor-975\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f18ff3f e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f18ff3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abe4385 elementor-widget elementor-widget-heading\" data-id=\"abe4385\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Upad\u0142o\u015b\u0107 konsumencka <span style=\"color: #A78F68\">- informacje<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d1c13 elementor-widget elementor-widget-text-editor\" data-id=\"f0d1c13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\">Uwolnij si\u0119 od d\u0142ug\u00f3w i zacznij \u017cycie na nowo.<br \/><b>Wysoko\u015b\u0107 d\u0142ug\u00f3w zaczynaj\u0105 Ciebie przyt\u0142acza\u0107?<\/b><br \/>Brakuje Tobie \u015brodk\u00f3w na sp\u0142at\u0119 zobowi\u0105za\u0144?<\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91b0ec0 elementor-widget elementor-widget-text-editor\" data-id=\"91b0ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>Z nasz\u0105 pomoc\u0105 zyskasz szans\u0119 na wolno\u015b\u0107 od d\u0142ug\u00f3w i nowy start<\/b><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad26e95 elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"ad26e95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c2ba7d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2c2ba7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ad75a3 elementor-widget elementor-widget-heading\" data-id=\"9ad75a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Upad\u0142o\u015b\u0107 konsumencka <span style=\"color: #A78F68\">- informacje<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-605631a elementor-widget elementor-widget-text-editor\" data-id=\"605631a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\">Uwolnij si\u0119 od d\u0142ug\u00f3w i zacznij \u017cycie na nowo.<br \/><b>Wysoko\u015b\u0107 d\u0142ug\u00f3w zaczynaj\u0105 Ciebie przyt\u0142acza\u0107?<\/b><br \/>Brakuje Tobie \u015brodk\u00f3w na sp\u0142at\u0119 zobowi\u0105za\u0144?<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ae9667 elementor-widget elementor-widget-text-editor\" data-id=\"8ae9667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>Z nasz\u0105 pomoc\u0105 zyskasz szans\u0119 na wolno\u015b\u0107 od d\u0142ug\u00f3w i nowy start<\/b><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-878f6b7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"878f6b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76cf809 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"76cf809\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-23415e7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"23415e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8febefb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"8febefb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82c5665 elementor-widget elementor-widget-heading\" data-id=\"82c5665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Czym jest<span style=\"color: #A78F68\"><br>upad\u0142o\u015b\u0107 konsumencka?\n\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f08cbb elementor-widget elementor-widget-heading\" data-id=\"0f08cbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Upad\u0142o\u015b\u0107 konsumencka to rodzaj post\u0119powania s\u0105dowego przewidzianego dla konsument\u00f3w, czyli os\u00f3b nie prowadz\u0105cych dzia\u0142alno\u015bci gospodarczej.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d3c615 elementor-widget elementor-widget-text-editor\" data-id=\"8d3c615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\"><b>Prowadzenie dzia\u0142alno\u015bci gospodarczej nie przes\u0105dza jednak ca\u0142kowicie o\u00a0braku mo\u017cliwo\u015bci og\u0142oszenia upad\u0142o\u015bci.<\/b><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08b808d elementor-widget elementor-widget-text-editor\" data-id=\"08b808d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\"><b>Do og\u0142oszenia upad\u0142o\u015bci mo\u017ce doj\u015b\u0107 w przypadku wyst\u0119powania stanu niewyp\u0142acalno\u015bci.<\/b>\u00a0Innymi s\u0142owy &#8211; to pomoc w sytuacji przyt\u0142aczaj\u0105cego zad\u0142u\u017cenia, powsta\u0142ego przewa\u017cnie z przyczyn niezale\u017cnych od d\u0142u\u017cnika, takich jak choroba, zwolnienie z pracy, ci\u0119\u017cka sytuacja osobista, a tak\u017ce nietrafnych decyzji finansowych.\u00a0<b>Celem og\u0142oszenia upad\u0142o\u015bci konsumenckiej jest odd\u0142u\u017cenie,<\/b>\u00a0czyli umo\u017cliwienie niewyp\u0142acalnej osobie wyj\u015bcia z d\u0142ug\u00f3w.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e05b808 elementor-widget elementor-widget-text-editor\" data-id=\"e05b808\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\"><b>W istotnej cz\u0119\u015bci post\u0119powa\u0144 zobowi\u0105zania s\u0105 ca\u0142kowicie umarzane.<\/b>\u00a0W\u00a0pozosta\u0142ej cz\u0119\u015bci post\u0119powa\u0144 umorzeniu ulega wi\u0119kszo\u015b\u0107 d\u0142ug\u00f3w, a pozosta\u0142e nieumorzone zobowi\u0105zania sp\u0142acane s\u0105 za pomoc\u0105 realnego planu sp\u0142aty \u2013 jednej niskiej raty ustalonej przez s\u0105d.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0031319 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"0031319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/newpmr.restrukturyzacja.app\/pl\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SKONTAKTUJ SI\u0118 Z NAMI<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97e63bf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"97e63bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fb90a0d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fb90a0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c5b6e95 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c5b6e95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5305c4d elementor-widget elementor-widget-heading\" data-id=\"5305c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wspieramy <span style=\"color: #A78F68\">konsument\u00f3w<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7472ac e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f7472ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-09a09d9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"09a09d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d831f6 elementor-testimonial--align-left elementor-testimonial--mobile-align-center elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-widget elementor-widget-testimonial-carousel\" data-id=\"4d831f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user00.jpg\" alt=\"+48 22-30-05-105\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">+48 22-30-05-105<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d73afd2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"d73afd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afd4306 elementor-widget elementor-widget-heading\" data-id=\"afd4306\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bezp\u0142atna konsultacja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6d4b19 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b6d4b19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-217ad27 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"217ad27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">NAPISZ DO NAS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81ba2f8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"81ba2f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8249816 elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"8249816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJak wygl\u0105da <span style=\"color: #A78F68\">post\u0119powanie upad\u0142o\u015bciowe<\/span> krok po kroku?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dadd17 e-grid e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5dadd17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb9bf24 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eb9bf24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M434.7 64h-85.9c-8 0-15.7 3-21.6 8.4l-98.3 90c-.1.1-.2.3-.3.4-16.6 15.6-16.3 40.5-2.1 56 12.7 13.9 39.4 17.6 56.1 2.7.1-.1.3-.1.4-.2l79.9-73.2c6.5-5.9 16.7-5.5 22.6 1 6 6.5 5.5 16.6-1 22.6l-26.1 23.9L504 313.8c2.9 2.4 5.5 5 7.9 7.7V128l-54.6-54.6c-5.9-6-14.1-9.4-22.6-9.4zM544 128.2v223.9c0 17.7 14.3 32 32 32h64V128.2h-96zm48 223.9c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM0 384h64c17.7 0 32-14.3 32-32V128.2H0V384zm48-63.9c8.8 0 16 7.2 16 16s-7.2 16-16 16-16-7.2-16-16c0-8.9 7.2-16 16-16zm435.9 18.6L334.6 217.5l-30 27.5c-29.7 27.1-75.2 24.5-101.7-4.4-26.9-29.4-24.8-74.9 4.4-101.7L289.1 64h-83.8c-8.5 0-16.6 3.4-22.6 9.4L128 128v223.9h18.3l90.5 81.9c27.4 22.3 67.7 18.1 90-9.3l.2-.2 17.9 15.5c15.9 13 39.4 10.5 52.3-5.4l31.4-38.6 5.4 4.4c13.7 11.1 33.9 9.1 45-4.7l9.5-11.7c11.2-13.8 9.1-33.9-4.6-45.1z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t1. Kontakt z Kancelari\u0105\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKontakt z Kancelari\u0105 jest pierwszym i podstawowym krokiem. Bezp\u0142atnie przeanalizujemy Twoj\u0105 sytuacj\u0119 finansow\u0105 i sprawdzimy czy og\u0142oszenie upad\u0142o\u015bci jest dobrym rozwi\u0105zaniem dla Ciebie.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b773420 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b773420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm160-14.1v6.1H256V0h6.1c6.4 0 12.5 2.5 17 7l97.9 98c4.5 4.5 7 10.6 7 16.9z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2. Przygotowanie wniosku\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tZbierane s\u0105 wszelkie informacje i dokumenty koniecznie do przygotowania skutecznego wniosku. Na ich podstawie kompleksowo przygotujemy kompletny wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-445ea83 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"445ea83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-balance-scale\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 336h-.02c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0C-2.06 328.75.02 320.33.02 336H0c0 44.18 57.31 80 128 80s128-35.82 128-80zM128 176l72 144H56l72-144zm511.98 160c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0-87.12 174.26-85.04 165.84-85.04 181.51H384c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02zM440 320l72-144 72 144H440zm88 128H352V153.25c23.51-10.29 41.16-31.48 46.39-57.25H528c8.84 0 16-7.16 16-16V48c0-8.84-7.16-16-16-16H383.64C369.04 12.68 346.09 0 320 0s-49.04 12.68-63.64 32H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h129.61c5.23 25.76 22.87 46.96 46.39 57.25V448H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h416c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3. Rozpatrzenie wniosku<br> przez S\u0105d\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tS\u0105d mo\u017ce og\u0142osi\u0107 post\u0119powanie upad\u0142o\u015bciowe lub oddali\u0107 albo zwr\u00f3ci\u0107 wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3781678 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3781678\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-th-list\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M149.333 216v80c0 13.255-10.745 24-24 24H24c-13.255 0-24-10.745-24-24v-80c0-13.255 10.745-24 24-24h101.333c13.255 0 24 10.745 24 24zM0 376v80c0 13.255 10.745 24 24 24h101.333c13.255 0 24-10.745 24-24v-80c0-13.255-10.745-24-24-24H24c-13.255 0-24 10.745-24 24zM125.333 32H24C10.745 32 0 42.745 0 56v80c0 13.255 10.745 24 24 24h101.333c13.255 0 24-10.745 24-24V56c0-13.255-10.745-24-24-24zm80 448H488c13.255 0 24-10.745 24-24v-80c0-13.255-10.745-24-24-24H205.333c-13.255 0-24 10.745-24 24v80c0 13.255 10.745 24 24 24zm-24-424v80c0 13.255 10.745 24 24 24H488c13.255 0 24-10.745 24-24V56c0-13.255-10.745-24-24-24H205.333c-13.255 0-24 10.745-24 24zm24 264H488c13.255 0 24-10.745 24-24v-80c0-13.255-10.745-24-24-24H205.333c-13.255 0-24 10.745-24 24v80c0 13.255 10.745 24 24 24z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t4. W\u0142a\u015bciwe post\u0119powanie upad\u0142o\u015bciowe\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNa tym etapie syndyk ustala warto\u015b\u0107 Twoich d\u0142ug\u00f3w, bada jakim maj\u0105tkiem dysponujesz oraz kt\u00f3re z Twoich sk\u0142adnik\u00f3w maj\u0105tkowych mog\u0105 zosta\u0107 zbyte, a kt\u00f3re na podstawie obowi\u0105zuj\u0105cych przepis\u00f3w s\u0105 zwolnione spod egzekucji\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d290e3 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6d290e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-comments\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 192c0-88.4-93.1-160-208-160S0 103.6 0 192c0 34.3 14.1 65.9 38 92-13.4 30.2-35.5 54.2-35.8 54.5-2.2 2.3-2.8 5.7-1.5 8.7S4.8 352 8 352c36.6 0 66.9-12.3 88.7-25 32.2 15.7 70.3 25 111.3 25 114.9 0 208-71.6 208-160zm122 220c23.9-26 38-57.7 38-92 0-66.9-53.5-124.2-129.3-148.1.9 6.6 1.3 13.3 1.3 20.1 0 105.9-107.7 192-240 192-10.8 0-21.3-.8-31.7-1.9C207.8 439.6 281.8 480 368 480c41 0 79.1-9.2 111.3-25 21.8 12.7 52.1 25 88.7 25 3.2 0 6.1-1.9 7.3-4.8 1.3-2.9.7-6.3-1.5-8.7-.3-.3-22.4-24.2-35.8-54.5z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t5. Ustalenie planu sp\u0142aty wierzycieli\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tW zale\u017cno\u015bci od tego jak\u0105 form\u0119 przyjmie Twoje post\u0119powanie \u2013 uproszczone czy og\u00f3lne, syndyk przygotuje dla Ciebie projekt planu sp\u0142aty lub te\u017c to na Tobie b\u0119dzie ci\u0105\u017cy\u0142 obowi\u0105zek z\u0142o\u017cenia w odpowiednim momencie wniosku o ustalenia planu sp\u0142aty lub wniosku o umorzenie zobowi\u0105za\u0144.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-924d179 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"924d179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t6. Umorzenie wierzytelno\u015bci\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tS\u0105d po zapoznaniu si\u0119 z materia\u0142em sprawy podejmie decyzj\u0119 w jakim zakresie Twoje zobowi\u0105zania zostan\u0105 umorzone oraz kiedy ostatecznie to nast\u0105pi.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76d9860 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"76d9860\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdadef4 elementor-widget elementor-widget-heading\" data-id=\"bdadef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O czym\n <span style=\"color: #A78F68\">warto pami\u0119ta\u0107?<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de7c8c2 elementor-widget elementor-widget-text-editor\" data-id=\"de7c8c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>Upad\u0142o\u015b\u0107 konsumencka jest szczeg\u00f3ln\u0105 szans\u0105 na odd\u0142u\u017cenie,<\/b>\u00a0je\u015bli jeste\u015b osob\u0105 fizyczn\u0105 nieprowadz\u0105c\u0105 dzia\u0142alno\u015bci gospodarczej, kt\u00f3ra nie jest w stanie samodzielnie pokry\u0107 swoich zobowi\u0105za\u0144.\u00a0<b>Jednak og\u0142oszenie upad\u0142o\u015bci konsumenckiej poci\u0105ga za sob\u0105 daleko id\u0105ce skutki,<\/b>\u00a0z\u00a0kt\u00f3rymi powiniene\u015b si\u0119 liczy\u0107 rozwa\u017caj\u0105c z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a32cad8 elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"a32cad8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cb3cf01 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"cb3cf01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94664bf elementor-widget elementor-widget-heading\" data-id=\"94664bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O czym\n <span style=\"color: #A78F68\">-  warto pami\u0119ta\u0107?<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-461b223 elementor-widget elementor-widget-text-editor\" data-id=\"461b223\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>Upad\u0142o\u015b\u0107 konsumencka jest szczeg\u00f3ln\u0105 szans\u0105 na odd\u0142u\u017cenie,<\/b>\u00a0je\u015bli jeste\u015b osob\u0105 fizyczn\u0105 nieprowadz\u0105c\u0105 dzia\u0142alno\u015bci gospodarczej, kt\u00f3ra nie jest w stanie samodzielnie pokry\u0107 swoich zobowi\u0105za\u0144.\u00a0<b>Jednak og\u0142oszenie upad\u0142o\u015bci konsumenckiej poci\u0105ga za sob\u0105 daleko id\u0105ce skutki,<\/b>\u00a0z\u00a0kt\u00f3rymi powiniene\u015b si\u0119 liczy\u0107 rozwa\u017caj\u0105c z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci.<\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24311a9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"24311a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f937fa6 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f937fa6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1758c6f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1758c6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0f1b11 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"a0f1b11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrzede wszystkim utracisz prawo zarz\u0105du nad swoim maj\u0105tkiem\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35fdab3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"35fdab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"justify\">Maj\u0105tek stanie si\u0119 mas\u0105 upad\u0142o\u015bci. Warto zaznaczy\u0107, \u017ce mas\u0105 upad\u0142o\u015bci jest nie tylko maj\u0105tek, kt\u00f3ry posiadasz si\u0119 w chwili og\u0142oszenia upad\u0142o\u015bci, lecz tak\u017ce ten, kt\u00f3ry nab\u0119dziesz w trakcie trwania post\u0119powania upad\u0142o\u015bciowego. St\u0105d te\u017c cz\u0119\u015b\u0107 dochod\u00f3w jakie uzyskujesz mo\u017ce zosta\u0107 zaj\u0119ta na rzecz masy upad\u0142o\u015bci.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b06a55f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b06a55f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6326d elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"bd6326d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRozdzielno\u015b\u0107 maj\u0105tkowa\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f45742 elementor-widget elementor-widget-text-editor\" data-id=\"1f45742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"justify\">Maj\u0105tek stanie si\u0119 mas\u0105 upad\u0142o\u015bci. Warto zaznaczy\u0107, \u017ce mas\u0105 upad\u0142o\u015bci jest nie tylko maj\u0105tek, kt\u00f3ry posiadasz si\u0119 w chwili og\u0142oszenia upad\u0142o\u015bci, lecz tak\u017ce ten, kt\u00f3ry nab\u0119dziesz w trakcie trwania post\u0119powania upad\u0142o\u015bciowego. St\u0105d te\u017c cz\u0119\u015b\u0107 dochod\u00f3w jakie uzyskujesz mo\u017ce zosta\u0107 zaj\u0119ta na rzecz masy upad\u0142o\u015bci.<\/p><h5>\u00a0<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-708d96e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"708d96e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6963ead e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6963ead\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65654b1 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"65654b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Tw\u00f3j maj\u0105tek zostanie sprzedany\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d96923a elementor-widget elementor-widget-text-editor\" data-id=\"d96923a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"justify\">Ca\u0142y Tw\u00f3j maj\u0105tek, z wyj\u0105tkami okre\u015blonymi w przepisach, zostanie przez syndyka sprzedany w trakcie post\u0119powania upad\u0142o\u015bciowego. \u015arodki pozyskane w ten spos\u00f3b b\u0119d\u0105 przeznaczone na pokrycie koszt\u00f3w post\u0119powania i Twoje zobowi\u0105zania wzgl\u0119dem wierzycieli.<\/p><h5>\u00a0<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0c198d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"d0c198d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6ac26 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3d6ac26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Wp\u0142yw na czynno\u015bci prawne\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70277d3 elementor-widget elementor-widget-text-editor\" data-id=\"70277d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"justify\">Ca\u0142y Tw\u00f3j maj\u0105tek, z wyj\u0105tkami okre\u015blonymi w przepisach, zostanie przez syndyka sprzedany w trakcie post\u0119powania upad\u0142o\u015bciowego. \u015arodki pozyskane w ten spos\u00f3b b\u0119d\u0105 przeznaczone na pokrycie koszt\u00f3w post\u0119powania i Twoje zobowi\u0105zania wzgl\u0119dem wierzycieli.<\/p><div class=\"pad30 border1\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9aab0d8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9aab0d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e8295f8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e8295f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3fe6f6 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"c3fe6f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t Ograniczenie mo\u017cliwo\u015bci zawieranych um\u00f3w\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f572e1b elementor-widget elementor-widget-text-editor\" data-id=\"f572e1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col50\"><div class=\"pad30\"><p class=\"justify\">Do przykrych konsekwencji upad\u0142o\u015bci konsumenckiej nale\u017cy ograniczenie mo\u017cliwo\u015bci zawieranych um\u00f3w. W praktyce oznacza to, \u017ce b\u0119dziesz m\u00f3g\u0142 zawiera\u0107 typowe umowy \u017cycia codziennego, jak np. zakup \u017cywno\u015bci. Jednak absolutnie wykluczone jest zawieranie um\u00f3w, kt\u00f3re mog\u0142yby zwi\u0119kszy\u0107 stan Twojego zad\u0142u\u017cenia \u2013 tzn. nie dostaniesz zgody np. na wzi\u0119cie kolejnej po\u017cyczki.<\/p><\/div><\/div><div class=\"col col50\"><div class=\"pad30\"><h5>\u00a0<\/h5><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24c9e02 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"24c9e02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bd8c7c elementor-widget elementor-widget-text-editor\" data-id=\"9bd8c7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"section\"><div class=\"boxed1\"><div class=\"pad50\"><div class=\"col col50\"><div class=\"pad30\"><div class=\"pad30 border1\"><p class=\"medium1\">To tylko niekt\u00f3re z konsekwencji jakie niesie za sob\u0105 og\u0142oszenie upad\u0142o\u015bci, niemniej jednak upad\u0142o\u015b\u0107 konsumencka to dobra recepta na zwalczanie problemu nadmiernego zad\u0142u\u017cenia.<\/p><\/div><\/div><\/div><div class=\"clear\">\u00a0<\/div><\/div><\/div><\/div><div class=\"infoframe1 valign border1\"><div class=\"boxed2\"><div class=\"pad15\"><div class=\"col col33\"><div class=\"user user-medium user-image-00\">\u00a0<\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82bb962 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"82bb962\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e5215d1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e5215d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a849a19 elementor-testimonial--align-left elementor-testimonial--mobile-align-center elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-widget elementor-widget-testimonial-carousel\" data-id=\"a849a19\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user00.jpg\" alt=\"+48 22-30-05-105\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">+48 22-30-05-105<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e67d5b5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e67d5b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f79940 elementor-widget elementor-widget-heading\" data-id=\"4f79940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bezp\u0142atna konsultacja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd8810a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fd8810a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de7e67 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8de7e67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">NAPISZ DO NAS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1b546e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"c1b546e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c1c3c59 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c1c3c59\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5f9a0eb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5f9a0eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb61b8e elementor-widget elementor-widget-heading\" data-id=\"eb61b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mo\u017cemy <span style=\"color: #A78F68\">Tobie pom\u00f3c<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb4cae9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fb4cae9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46fe62a elementor-widget elementor-widget-heading\" data-id=\"46fe62a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">W jakich przypadkach\n <span style=\"color: #A78F68\">pomagamy?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93225e5 elementor-widget elementor-widget-heading\" data-id=\"93225e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PMR Restrukturyzacje zapewni Ci kompleksow\u0105 pomoc w sprawach o upad\u0142o\u015b\u0107 konsumenck\u0105.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5ce33 elementor-widget elementor-widget-text-editor\" data-id=\"4a5ce33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1 justify\">Mo\u017cesz liczy\u0107 na to, \u017ce doradca z naszej kancelarii pomo\u017ce Tobie w przygotowaniu niezb\u0119dnej dokumentacji.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b987f elementor-widget elementor-widget-text-editor\" data-id=\"27b987f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>W\u015br\u00f3d spraw i os\u00f3b, kt\u00f3rym pomagamy, nale\u017cy wymieni\u0107 m.in.:<\/b><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec110e8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ec110e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">osoby, kt\u00f3re wpad\u0142y w p\u0119tle \"chwil\u00f3wek\",<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49597da elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"49597da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">byli przedsi\u0119biorcy,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3511915 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3511915\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">cz\u0142onkowie zarz\u0105du sp\u00f3\u0142ek,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d785dc6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d785dc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">trudne sytuacje rodzinne (rozw\u00f3d, rozstanie, choroba, ma\u0142\u017conek d\u0142u\u017cnika i inne),<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c9e23d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6c9e23d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">utrata pracy, redukcja zarobk\u00f3w,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c76f560 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c76f560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">por\u0119czyciele,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c5ad3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a5c5ad3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">rolnicy,<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b937fa7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b937fa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">najemcy w galeriach handlowych.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac548f8 elementor-widget elementor-widget-text-editor\" data-id=\"ac548f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"section\"><div class=\"boxed1\"><div class=\"col col55\"><div class=\"pad50 border5 bg-color-white\"><p class=\"medium1\">Je\u015bli jedno z powy\u017cszych hase\u0142 opisuje Ciebie, nie zwlekaj d\u0142u\u017cej.<\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dd5ff0 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"0dd5ff0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/newpmr.restrukturyzacja.app\/pl\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SKONTAKTUJ SI\u0118 Z NAMI<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5dc3130 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"5dc3130\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fdbbe3\" data-id=\"9fdbbe3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dc75523 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"dc75523\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-09d8f09\" data-id=\"09d8f09\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ce5781 elementor-widget elementor-widget-heading\" data-id=\"9ce5781\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Poznaj historie<br><span style=\"color: #A78F68\">naszych klient\u00f3w\n\n\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-457c452 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"457c452\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b64db4\" data-id=\"3b64db4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b640fe9 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"b640fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"350\" height=\"133\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1-1.png\" class=\"attachment-large size-large wp-image-12\" alt=\"logo1\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1-1.png 350w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1-1-300x114.png 300w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1-1-18x7.png 18w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-17c263d elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"17c263d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c92887c\" data-id=\"c92887c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c83ed19 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"c83ed19\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"209972505\" aria-label=\"Karty. Otwieraj elementy za pomoc\u0105 Enter lub Spacji, zamykaj za pomoc\u0105 Escape i nawiguj za pomoc\u0105 klawiszy strza\u0142ek.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2099725051\" data-tab-title-id=\"e-n-tab-title-2099725051\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2099725051\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t1\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2099725052\" data-tab-title-id=\"e-n-tab-title-2099725052\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2099725052\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2099725053\" data-tab-title-id=\"e-n-tab-title-2099725053\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2099725053\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t3\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2099725051\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2099725051\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-681b566 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"681b566\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c1f577 elementor-widget elementor-widget-heading\" data-id=\"6c1f577\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia <span style=\"color: #A78F68\">Pani Katarzyny\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ae5dc elementor-widget elementor-widget-image\" data-id=\"38ae5dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"256\" height=\"256\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg\" class=\"elementor-animation-grow attachment-large size-large wp-image-902\" alt=\"pmr-restrukturyzacje\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg 256w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04-150x150.jpg 150w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87f8831 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"87f8831\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia Pani Katarzyny\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dea326 elementor-widget elementor-widget-button\" data-id=\"2dea326\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.youtube.com\/shorts\/GyM6RrxFWyY\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-video\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.2 64H47.8C21.4 64 0 85.4 0 111.8v288.4C0 426.6 21.4 448 47.8 448h288.4c26.4 0 47.8-21.4 47.8-47.8V111.8c0-26.4-21.4-47.8-47.8-47.8zm189.4 37.7L416 177.3v157.4l109.6 75.5c21.2 14.6 50.4-.3 50.4-25.8V127.5c0-25.4-29.1-40.4-50.4-25.8z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> ogl\u0105daj teraz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8f33f2 elementor-widget elementor-widget-text-editor\" data-id=\"e8f33f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Pani Katarzyna w latach 90. by\u0142a wsp\u00f3lnikiem w sp\u00f3\u0142ce cywilnej. Dzia\u0142alno\u015bci\u0105 faktycznie zajmowa\u0142 si\u0119 jej m\u0105\u017c, a ona sama nie podejmowa\u0142a \u017cadnych decyzji biznesowych.<\/b><\/p><p><b>W ramach prowadzonej dzia\u0142alno\u015bci podpisa\u0142a por\u0119czenie wekslowe.<\/b>\u00a0Na przestrzeni kolejnych lat Pani Katarzyna wyst\u0105pi\u0142a ze sp\u00f3\u0142ki, rozwiod\u0142a si\u0119 z m\u0119\u017cem i zacz\u0119\u0142a uk\u0142ada\u0107 sobie \u017cycie ma nowo. Jednak\u017ce do jej pracodawcy wp\u0142yn\u0119\u0142o pismo od komornika wzywaj\u0105ce do zaj\u0119cia wynagrodzenia Pani Katarzyny.<\/p><p>W wyniku podj\u0119tych dzia\u0142a\u0144 Pani Katarzyna ustali\u0142a,\u00a0<b>i\u017c egzekucja dotyczy kilku milionowego d\u0142ugu,<\/b>\u00a0za kt\u00f3ry odpowiada na podstawie wspomnianego por\u0119czenia wekslowego.\u00a0<b>Przez blisko 10 lat komornik prowadzi\u0142 post\u0119powanie egzekucyjne,<\/b>\u00a0w trakcie kt\u00f3rego zajmowa\u0142 wynagrodzenie za prac\u0119 Pani Katarzyny, jednak dochody nie by\u0142y wystarczaj\u0105ce by pokry\u0107 tak ogromny d\u0142ug. Pani Katarzyna zdecydowa\u0142a si\u0119 og\u0142osi\u0107 upad\u0142o\u015b\u0107.<\/p><p><b>W ramach przeprowadzonego post\u0119powania upad\u0142o\u015bciowego<\/b>\u00a0S\u0105d ustali\u0142 dla niej plan sp\u0142aty na okres 24 miesi\u0105ce w wysoko\u015bci 400 z\u0142. Aktualnie Pani Katarzyna zako\u0144czy\u0142a ju\u017c wykonywanie planu sp\u0142aty , a jej zobowi\u0105zanie na kwot\u0119 ponad 12 mln z\u0142 zosta\u0142o umorzone.<\/p><p>Sytuacja Pani Katarzyny mog\u0142a wydawa\u0107 si\u0119 bez wyj\u015bcia,\u00a0<b>jednak dzi\u0119ki og\u0142oszeniu upad\u0142o\u015bci uda\u0142o si\u0119 j\u0105 naprawi\u0107.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2099725052\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2099725052\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-9e8a027 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"9e8a027\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3233d5 elementor-widget elementor-widget-heading\" data-id=\"d3233d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia <span style=\"color: #A78F68\">Pana Marka\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-846b621 elementor-widget elementor-widget-image\" data-id=\"846b621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"256\" height=\"256\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg\" class=\"elementor-animation-grow attachment-large size-large wp-image-902\" alt=\"pmr-restrukturyzacje\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg 256w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04-150x150.jpg 150w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c99e817 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c99e817\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia Pana Marka\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661a759 elementor-widget elementor-widget-button\" data-id=\"661a759\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.youtube.com\/shorts\/vgoLNcoz29A\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-video\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.2 64H47.8C21.4 64 0 85.4 0 111.8v288.4C0 426.6 21.4 448 47.8 448h288.4c26.4 0 47.8-21.4 47.8-47.8V111.8c0-26.4-21.4-47.8-47.8-47.8zm189.4 37.7L416 177.3v157.4l109.6 75.5c21.2 14.6 50.4-.3 50.4-25.8V127.5c0-25.4-29.1-40.4-50.4-25.8z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> ogl\u0105daj teraz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9acb96e elementor-widget elementor-widget-text-editor\" data-id=\"9acb96e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Pocz\u0105tkowo wszystko uk\u0142ada\u0142o si\u0119 dobrze, mia\u0142 prac\u0119, zakupi\u0142 mieszkanie na kredyt, pozna\u0142 kobiet\u0119.<\/b>\u00a0Po jakim\u015b czasie parze urodzi\u0142o si\u0119 dziecko, niestety okaza\u0142o si\u0119, \u017ce jest chore. Przez jaki\u015b czas oboje rodzic\u00f3w bardzo si\u0119 stara\u0142o zapewni\u0107 dziecku jak najlepsz\u0105 opiek\u0119, jednak z czasem stan ten przer\u00f3s\u0142 matk\u0119 dziecka i odesz\u0142a \u2013 zostawiaj\u0105c zar\u00f3wno dziecko, jak i Pana Marka.<\/p><p><b>Pan Marek zosta\u0142 przyt\u0142oczony nag\u0142\u0105 zmian\u0105 w \u017cyciu<\/b>\u00a0\u2013 nie tylko musia\u0142 sam zaj\u0105\u0107 si\u0119 chorym dzieckiem, lecz tak\u017ce spad\u0142a na niego konieczno\u015b\u0107 pokrywania wszystkich koszt\u00f3w utrzymania i samodzielnej sp\u0142aty kredyt\u00f3w. Pr\u00f3buj\u0105c jako\u015b zwi\u0105za\u0107 koniec z ko\u0144cem, podejmowa\u0142 si\u0119 dodatkowych prac, jednak ci\u0119\u017cko by\u0142o po\u0142\u0105czy\u0107 to z opiek\u0105 nad dzieckiem. W nied\u0142ugim czasie zacz\u0119\u0142y si\u0119 k\u0142opoty w terminowych sp\u0142atach, kt\u00f3re szybko narasta\u0142y.<\/p><p><b>Sytuacja by\u0142a na tyle przyt\u0142aczaj\u0105ca, \u017ce Pan Marek nie wiedzia\u0142, jak ma sobie z tym wszystkim poradzi\u0107.<\/b>\u00a0Najbardziej obawia\u0142 si\u0119, \u017ce nigdy nie uda mu si\u0119 sp\u0142aci\u0107 d\u0142ug\u00f3w oraz tego, \u017ce straci mieszkanie i nie b\u0119dzie mia\u0142 si\u0119 gdzie podzia\u0107 ze swoim dzieckiem, a natarczywe telefony windykator\u00f3w nie pozwala\u0142y zapomnie\u0107 o problemie nawet na chwil\u0119.<\/p><p>Wychodz\u0105c naprzeciw temu problemowi, nasi specjali\u015bci zaproponowali Panu Markowi, by rozwa\u017cy\u0142 z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. Szczeg\u00f3\u0142owo wyja\u015bnili\u015bmy, na czym polega ca\u0142y proces i zapewnili\u015bmy Pana Marka, i\u017c w przypadku sprzeda\u017cy mieszkania w toku post\u0119powania upad\u0142o\u015bciowego istnieje mo\u017cliwo\u015b\u0107 uzyskania \u015brodk\u00f3w na najem innego lokum na okres 2 lat.<\/p><p>Po przeprowadzonym post\u0119powaniu upad\u0142o\u015bciowym Pan Marek odwiedzi\u0142 nasz\u0105 kancelari\u0119, a zmiana, jaka w nim zasz\u0142a, by\u0142a ogromna. Zobaczyli\u015bmy m\u0119\u017cczyzn\u0119, kt\u00f3ry dumnie kroczy\u0142 przed siebie, na jego twarzy w ko\u0144cu zago\u015bci\u0142 u\u015bmiech, a spok\u00f3j wr\u0119cz od niego emanowa\u0142. Ci\u0119\u017car zobowi\u0105za\u0144 finansowych, jaki wcze\u015bniej go przyt\u0142acza\u0142, by\u0142 ogromny, jednak dzi\u0119ki przeprowadzonemu post\u0119powaniu znikn\u0105\u0142 i pozwoli\u0142 Panu Markowi z nadziej\u0105 i rado\u015bci\u0105 patrze\u0107 w przysz\u0142o\u015b\u0107.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2099725053\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2099725053\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-51f9634 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"51f9634\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b19b6f7 elementor-widget elementor-widget-heading\" data-id=\"b19b6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia <span style=\"color: #A78F68\">Pani Emilii<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dae4af elementor-widget elementor-widget-image\" data-id=\"9dae4af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"256\" height=\"256\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg\" class=\"elementor-animation-grow attachment-large size-large wp-image-902\" alt=\"pmr-restrukturyzacje\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg 256w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04-150x150.jpg 150w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6115bb elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f6115bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Historia Pani Emilii\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77eceac elementor-widget elementor-widget-button\" data-id=\"77eceac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.youtube.com\/shorts\/w9fFzxevsa8\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-video\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.2 64H47.8C21.4 64 0 85.4 0 111.8v288.4C0 426.6 21.4 448 47.8 448h288.4c26.4 0 47.8-21.4 47.8-47.8V111.8c0-26.4-21.4-47.8-47.8-47.8zm189.4 37.7L416 177.3v157.4l109.6 75.5c21.2 14.6 50.4-.3 50.4-25.8V127.5c0-25.4-29.1-40.4-50.4-25.8z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> ogl\u0105daj teraz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a31fbab elementor-widget elementor-widget-text-editor\" data-id=\"a31fbab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Pani Emilia prowadzi\u0142a dzia\u0142alno\u015b\u0107 gospodarcz\u0105 w zakresie us\u0142ug kosmetycznych.<\/b>\u00a0Dzia\u0142alno\u015b\u0107 by\u0142a rentowna i przynosi\u0142a zyski do momentu, a\u017c u Pani Emilii pojawi\u0142y si\u0119 problemy rodzinne, kt\u00f3re wymusi\u0142y zmniejszenie zaanga\u017cowania Pani Emilii w prowadzon\u0105 dzia\u0142alno\u015b\u0107.<\/p><p><b>Wsp\u00f3\u0142pracownicy wykorzystali zmniejszony nadz\u00f3r Pani Emilii i nierzetelnie wykonywali swoje obowi\u0105zki.<\/b>\u00a0Prze\u0142o\u017cy\u0142o si\u0119 to na spadek dochod\u00f3w i narastanie zad\u0142u\u017cenia.<\/p><p>Doprowadzi\u0142o to do podj\u0119cia przez Pani\u0105 Emili\u0119 decyzji o zako\u0144czeniu prowadzenia dzia\u0142alno\u015bci. Aby wyj\u015b\u0107 z patowej sytuacji wyst\u0105pi\u0142a z wnioskiem o og\u0142oszenie upad\u0142o\u015bci konsumenckiej.<\/p><p><b>W trakcie post\u0119powania Pani Emilia zasz\u0142a w ci\u0105\u017c\u0119,<\/b>\u00a0a dzi\u0119ki temu, \u017ce S\u0105d umorzy\u0142 jej zobowi\u0105zania bez ustalania planu sp\u0142aty, mog\u0142a ona zacz\u0105\u0107 nowe \u017cycie bez d\u0142ug\u00f3w bez obaw o koszty utrzymania swojej powi\u0119kszaj\u0105cej si\u0119 rodziny.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-90229f0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"90229f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-53d4944 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"53d4944\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84a4568 elementor-widget elementor-widget-heading\" data-id=\"84a4568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jak mo\u017cemy <span style=\"color: #A78F68\">Tobie pom\u00f3c?<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ea68df elementor-widget elementor-widget-text-editor\" data-id=\"2ea68df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><div class=\"col col66 section-desc1\"><div class=\"pad50\"><p class=\"medium1\"><b>Upad\u0142o\u015b\u0107 konsumencka<\/b>\u00a0to rodzaj post\u0119powania s\u0105dowego przewidzianego\u00a0<b>dla konsument\u00f3w,<\/b>\u00a0czyli os\u00f3b, kt\u00f3re nie prowadz\u0105 dzia\u0142alno\u015bci gospodarczej. Je\u017celi znalaz\u0142e\u015b si\u0119\u00a0<b>w trudnej sytuacji skontaktuj si\u0119 z nami<\/b>\u00a0&#8211; pomo\u017cemy znale\u017a\u0107 rozwi\u0105zanie dostosowane do Twojej sytuacji.<\/p><\/div><\/div><div class=\"col col33 acenter\"><div class=\"pad15\"><div class=\"user user-image-04 user-big\">\u00a0<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-954c169 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"954c169\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85b5d1c elementor-widget elementor-widget-image\" data-id=\"85b5d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"256\" height=\"256\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg\" class=\"attachment-large size-large wp-image-902\" alt=\"pmr-restrukturyzacje\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04.jpg 256w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user04-150x150.jpg 150w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d242902 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"d242902\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9d93afe\" data-id=\"9d93afe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-417c4a1 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"417c4a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-039545b\" data-id=\"039545b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-944f2fa elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"944f2fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/na-czym-polega-upadlosc-konsumencka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Na czym polega upad\u0142o\u015b\u0107 konsumencka\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/na-czym-polega-upadlosc-konsumencka\/\" >\n\t\t\t\t\t\t\t Na czym polega upad\u0142o\u015b\u0107 konsumencka\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUpad\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 \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-582fbd9\" data-id=\"582fbd9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a4e9ba elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"1a4e9ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/upadlosc-konsumencka-co-z-majatkiem-malzonkow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Upad\u0142o\u015b\u0107 konsumencka \u2013 co z maj\u0105tkiem ma\u0142\u017conk\u00f3w?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/upadlosc-konsumencka-co-z-majatkiem-malzonkow\" >\n\t\t\t\t\t\t\tUpad\u0142o\u015b\u0107 konsumencka \u2013 co z maj\u0105tkiem ma\u0142\u017conk\u00f3w?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nOs\u00f3b posiadaj\u0105cych nadmierne zad\u0142u\u017cenie jest wiele, a niew\u0105tpliwie znaczna ich cz\u0119\u015b\u0107 posiada wsp\u00f3\u0142ma\u0142\u017conka. To \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-30e2a6e\" data-id=\"30e2a6e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fb5364 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"0fb5364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czego-nie-obejmuje-upadlosc-konsumencka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Czego nie obejmuje upad\u0142o\u015b\u0107 konsumencka?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czego-nie-obejmuje-upadlosc-konsumencka\/\" >\n\t\t\t\t\t\t\t Czego nie obejmuje upad\u0142o\u015b\u0107 konsumencka?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUpad\u0142o\u015b\u0107 konsumencka obejmuje wszystkie zobowi\u0105zania powsta\u0142e przed dniem og\u0142oszenia upad\u0142o\u015bci. Post\u0119powanie \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e77f97b elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"e77f97b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ed46480\" data-id=\"ed46480\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d708b1b elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"d708b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/upadlosc-konsumencka-od-czego-zaczac\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Upad\u0142o\u015b\u0107 konsumencka od czego zacz\u0105\u0107?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/upadlosc-konsumencka-od-czego-zaczac\/\" >\n\t\t\t\t\t\t\tUpad\u0142o\u015b\u0107 konsumencka od czego zacz\u0105\u0107?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nPrzed z\u0142o\u017ceniem wniosku o og\u0142oszenie upad\u0142o\u015bci, nale\u017cy przygotowa\u0107 szereg dokument\u00f3w, kt\u00f3re s\u0105 wymagane \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4cd3ace\" data-id=\"4cd3ace\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d46ac2 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"8d46ac2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wniosek-o-upadlosc-konsumencka-musi-byc-na-formularzu\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Czy wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105 musi by\u0107 na formularzu\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wniosek-o-upadlosc-konsumencka-musi-byc-na-formularzu\/\" >\n\t\t\t\t\t\t\t Czy wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105 musi by\u0107 na formularzu\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nWniosek o upad\u0142o\u015b\u0107 konsumenck\u0105 powinien by\u0107 z\u0142o\u017cony za po\u015brednictwem Krajowego Rejestru Zad\u0142u\u017conych. Od 1 \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4eab4b1\" data-id=\"4eab4b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-056e4d8 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"056e4d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wniosek-o-upadlosc-tylko-elektronicznie\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"  Czy wniosek o upad\u0142o\u015b\u0107 tylko elektronicznie\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wniosek-o-upadlosc-tylko-elektronicznie\/\" >\n\t\t\t\t\t\t\t  Czy wniosek o upad\u0142o\u015b\u0107 tylko elektronicznie\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOd dnia 01 grudnia 2021 roku w \u017cycie wszed\u0142 system telekomunikacyjny Krajowy Rejestr Zad\u0142u\u017conych i to za jego \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0b2a568 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"0b2a568\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a6cba35\" data-id=\"a6cba35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e48df8 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"6e48df8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/co-jesli-sad-odrzuci-wniosek-o-upadlosc-konsumencka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Co, je\u015bli s\u0105d odrzuci wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/co-jesli-sad-odrzuci-wniosek-o-upadlosc-konsumencka\/\" >\n\t\t\t\t\t\t\t Co, je\u015bli s\u0105d odrzuci wniosek o upad\u0142o\u015b\u0107 konsumenck\u0105\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPost\u0119powanie upad\u0142o\u015bciowe otwiera si\u0119 podstawie wniosku upad\u0142o\u015bciowego. Wniosek zawiera przede \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0558639\" data-id=\"0558639\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea01a70 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ea01a70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/cofniecie-wniosku-o-upadlosc-konsumencka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"  Cofni\u0119cie wniosku o upad\u0142o\u015b\u0107 konsumenck\u0105?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/cofniecie-wniosku-o-upadlosc-konsumencka\/\" >\n\t\t\t\t\t\t\t  Cofni\u0119cie wniosku o upad\u0142o\u015b\u0107 konsumenck\u0105?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nZad\u0142u\u017cony konsument, kt\u00f3ry z\u0142o\u017cy\u0142 wniosek o cofni\u0119cie wniosku upad\u0142o\u015bciowego, je\u015bli jego sytuacja finansowa \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-212d519\" data-id=\"212d519\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49d7350 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"49d7350\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wierzyciel-moze-zlozyc-wniosek-o-upadlosc-dluznika\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Czy wierzyciel mo\u017ce z\u0142o\u017cy\u0107 wniosek o upad\u0142o\u015b\u0107 d\u0142u\u017cnika?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-wierzyciel-moze-zlozyc-wniosek-o-upadlosc-dluznika\/\" >\n\t\t\t\t\t\t\t Czy wierzyciel mo\u017ce z\u0142o\u017cy\u0107 wniosek o upad\u0142o\u015b\u0107 d\u0142u\u017cnika?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPodstawowym narz\u0119dziem do odzyskania swoich nale\u017cno\u015bci od d\u0142u\u017cnika jest pozew cywilny. Post\u0119powaniea do\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-59428eb elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"59428eb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4905935\" data-id=\"4905935\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-747eacc elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"747eacc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-zlozenie-wniosku-o-upadlosc-wstrzymuje-egzekucje\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"  Czy z\u0142o\u017cenie wniosku o upad\u0142o\u015b\u0107 wstrzymuje egzekucj\u0119?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-zlozenie-wniosku-o-upadlosc-wstrzymuje-egzekucje\/\" >\n\t\t\t\t\t\t\t  Czy z\u0142o\u017cenie wniosku o upad\u0142o\u015b\u0107 wstrzymuje egzekucj\u0119?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNie pozostawia \u017cadnych w\u0105tpliwo\u015bci, \u017ce osoby nosz\u0105ce si\u0119 z zamiarem z\u0142o\u017cenia wniosku upad\u0142o\u015bciowego s\u0105 w trudnej \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abd3c72\" data-id=\"abd3c72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bf1a5a elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"0bf1a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-moje-dochody-musza-byc-zajmowane-przez-syndyka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Czy moje dochody musz\u0105 by\u0107 zajmowane przez syndyka?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/czy-moje-dochody-musza-byc-zajmowane-przez-syndyka\/\" >\n\t\t\t\t\t\t\t Czy moje dochody musz\u0105 by\u0107 zajmowane przez syndyka?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tZgodnie z obowi\u0105zuj\u0105cymi przepisami w sk\u0142ad masy upad\u0142o\u015bci wchodzi maj\u0105tek upad\u0142ego nabyty tak\u017ce w trakcie \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a540240\" data-id=\"a540240\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69ad118 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"69ad118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-moge-pozbyc-sie-dlugow-2\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Jak mog\u0119 pozby\u0107 si\u0119 d\u0142ug\u00f3w?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-moge-pozbyc-sie-dlugow-2\/\" >\n\t\t\t\t\t\t\t Jak mog\u0119 pozby\u0107 si\u0119 d\u0142ug\u00f3w?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nSamo wydanie przez s\u0105d postanowienia o og\u0142oszeniu upad\u0142o\u015bci nie oznacza jeszcze pozbycia si\u0119 d\u0142ug\u00f3w. Aby w post\u0119powaniu upad\u0142o\u015bciowym dosz\u0142o do umorzenia \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c0ee0f5 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"c0ee0f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-fa5d38e\" data-id=\"fa5d38e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c90200 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3c90200\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-moge-uzyskac-srodki-na-zamieszkiwanie-w-przypadku-sprzedaz-nieruchomosci-w-postepowaniu-upadlosciowym\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Jak mog\u0119 uzyska\u0107 \u015brodki na zamieszkiwanie w przypadku sprzeda\u017cy nieruchomo\u015bci w post\u0119powaniu upad\u0142o\u015bciowym?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-moge-uzyskac-srodki-na-zamieszkiwanie-w-przypadku-sprzedaz-nieruchomosci-w-postepowaniu-upadlosciowym\/\" >\n\t\t\t\t\t\t\t Jak mog\u0119 uzyska\u0107 \u015brodki na zamieszkiwanie w przypadku sprzeda\u017cy nieruchomo\u015bci w post\u0119powaniu upad\u0142o\u015bciowym?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0473538\" data-id=\"0473538\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3b6193 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"a3b6193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/kompleksowe-doradztwo-upadlosciowe-2\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Kompleksowe doradztwo upad\u0142o\u015bciowe\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/kompleksowe-doradztwo-upadlosciowe-2\/\" >\n\t\t\t\t\t\t\t Kompleksowe doradztwo upad\u0142o\u015bciowe\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPost\u0119powania upad\u0142o\u015bciowe wp\u0142ywa na wiele kwestii dotycz\u0105cych \u017cycia zad\u0142u\u017conej osoby. Skutki og\u0142oszenia upad\u0142o\u015bci mog\u0105 rozci\u0105ga\u0107 si\u0119 na czynno\u015bci podj\u0119te przez \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-da2cdaf\" data-id=\"da2cdaf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a761c8 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3a761c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-oglosic-upadlosc-konsumencka\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Jak og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-oglosic-upadlosc-konsumencka\/\" >\n\t\t\t\t\t\t\t Jak og\u0142osi\u0107 upad\u0142o\u015b\u0107 konsumenck\u0105?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nOg\u0142oszenie upad\u0142o\u015bci konsumenckiej wi\u0105\u017ce si\u0119 z procedur\u0105 s\u0105dow\u0105, st\u0105d te\u017c warunki jakie nale\u017cy spe\u0142ni\u0107 s\u0105 szczeg\u00f3\u0142owo opisane w przepisach prawa, a dok\u0142adniej w \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4bbd0b3 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4bbd0b3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-be9bca2\" data-id=\"be9bca2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-503dff4 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"503dff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-uporac-sie-z-zadluzeniem\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\" Jak upora\u0107 sie z zad\u0142u\u017ceniem?\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/newpmr.restrukturyzacja.app\/jak-uporac-sie-z-zadluzeniem\/\" >\n\t\t\t\t\t\t\t Jak upora\u0107 sie z zad\u0142u\u017ceniem?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\nChwil\u00f3wki, kredyt konsumencki, po\u017cyczka poza bankowa, niesp\u0142acone raty czy limit na koncie \u2013 wbrew pozorom, to rzeczywisto\u015b\u0107 naprawd\u0119 wielu os\u00f3b. Kilka milion\u00f3w\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f2c5c83\" data-id=\"f2c5c83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d3c3b85\" data-id=\"d3c3b85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-c223934 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"c223934\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b92199a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b92199a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-250d44b elementor-testimonial--align-left elementor-testimonial--mobile-align-center elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-widget elementor-widget-testimonial-carousel\" data-id=\"250d44b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user00.jpg\" alt=\"+48 22-30-05-105\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">+48 22-30-05-105<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca0e3ca e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ca0e3ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b22dbcb elementor-widget elementor-widget-heading\" data-id=\"b22dbcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bezp\u0142atna konsultacja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91159dd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"91159dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebbc659 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ebbc659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">NAPISZ DO NAS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b02029 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"8b02029\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-612cd2d elementor-widget elementor-widget-heading\" data-id=\"612cd2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Najcz\u0119\u015bciej\n<br><span style=\"color: #A78F68\">zadawane pytania\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef7ed6 wpr-advanced-accordion-icon-no-box elementor-widget elementor-widget-wpr-advanced-accordion\" data-id=\"5ef7ed6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;active_item&quot;:0}\" data-widget_type=\"wpr-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"wpr-advanced-accordion\" data-accordion-type=\"accordion\" data-active-index=\"0\" data-accordion-trigger=\"click\" data-interaction-speed=\"0.4\">\n\n\t\t\t\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy moje d\u0142ugi zostan\u0105 umorzone w post\u0119powaniu upad\u0142o\u015bciowym?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b>To czy Twoje d\u0142ugi zostan\u0105 umorzone<\/b>\u00a0w toku post\u0119powania upad\u0142o\u015bciowego i w jakim zakresie to nast\u0105pi, zale\u017cy od kilku czynnik\u00f3w, m.in. od tego\u00a0<b>w jaki spos\u00f3b dosz\u0142o do powstania Twojego zad\u0142u\u017cenia,<\/b>\u00a0jak i od tego w jakim zakresie uda si\u0119 syndykowi zaspokoi\u0107 Twoich wierzycieli \u015brodkami uzyskanymi ze sprzeda\u017cy Twojego maj\u0105tku, a tak\u017ce zale\u017cy od tego\u00a0<b>jakie posiadasz zdolno\u015bci zarobkowe,<\/b>\u00a0jaka jest Twoja sytuacja \u017cyciowa, ile os\u00f3b posiadasz na utrzymaniu.<\/p><p>Te czynniki b\u0119d\u0105 wp\u0142ywa\u0142y na to\u00a0<b>czy s\u0105d wyda postanowienie w zakresie odmowy umorzenia<\/b>\u00a0Twoich zobowi\u0105za\u0144, ustali dla Ciebie plan sp\u0142aty, lub te\u017c umorzy Twoje zobowi\u0105zania bez konieczno\u015bci dokonywania jakichkolwiek sp\u0142at na rzecz wierzycieli.<\/p><p>Nale\u017cy jednak mie\u0107 \u015bwiadomo\u015b\u0107, i\u017c istnieje katalog zobowi\u0105za\u0144, kt\u00f3rych nie mo\u017cna umorzy\u0107 w toku post\u0119powania upad\u0142o\u015bciowego.<\/p><div class=\"pad1530 border1 bg-color-01\"><p><i class=\"fas fa-info-circle\"><\/i>\u00a0Sprawd\u017a, czy zobowi\u0105zania, kt\u00f3re posiadasz mog\u0105 zosta\u0107 umorzone w post\u0119powaniu upad\u0142o\u015bciowym.<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy mog\u0119 mie\u0107 og\u0142oszon\u0105 upad\u0142o\u015b\u0107, je\u015bli nie mam maj\u0105tku?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b>Wbrew temu, co twierdz\u0105 niekt\u00f3rzy prawnicy,<\/b>\u00a0posiadanie mieszkania, domu, czy innych warto\u015bciowych rzeczy nie jest warunkiem koniecznym do tego, by s\u0105d zgodzi\u0142 si\u0119 na upad\u0142o\u015b\u0107 konsumenck\u0105.<br \/><br \/><b>Warto te\u017c podkre\u015bli\u0107,<\/b>\u00a0i\u017c funkcjonuje w przestrzeni medialnej b\u0142\u0119dne prze\u015bwiadczenie, i\u017c za maj\u0105tek uwa\u017ca si\u0119 tylko przedmioty, kt\u00f3re posiadaj\u0105 warto\u015b\u0107 przekraczaj\u0105c\u0105 kwot\u0119 5 tys. z\u0142.<br \/><br \/><b>Ponadto nale\u017cy liczy\u0107 si\u0119 tak\u017ce z tym,<\/b>\u00a0i\u017c na podstawie obowi\u0105zuj\u0105cych przepis\u00f3w w trakcie post\u0119powania upad\u0142o\u015bciowego mog\u0105 zosta\u0107 uznane za nieskuteczne np. umowy darowizny lub sprzeda\u017cy sk\u0142adnik\u00f3w maj\u0105tkowych, kt\u00f3re zawarto w okre\u015blonym odst\u0119pie czasu przed z\u0142o\u017ceniem wniosku o og\u0142oszenie upad\u0142o\u015bci.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy w czasie post\u0119powania upad\u0142o\u015bciowego zajmowane b\u0119dzie moje wynagrodzenie lub emerytura?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b>W sk\u0142ad masy upad\u0142o\u015bci wchodzi maj\u0105tek konsumenta,<\/b>\u00a0tak\u017ce ten kt\u00f3ry zostanie nabyty w trakcie trwania post\u0119powania upad\u0142o\u015bciowego. Zatem w przypadku, gdy utrzymujesz si\u0119 z wynagrodzenia za prac\u0119 lub z emerytury cz\u0119\u015b\u0107 tych \u015bwiadcze\u0144 b\u0119dzie podlega\u0142a zaj\u0119ciu.<br \/><br \/><b>Nale\u017cy jednak pami\u0119ta\u0107,<\/b>\u00a0i\u017c przepisy prawa reguluj\u0105 stopie\u0144 w jakim wynagrodzenie i \u015bwiadczenie emerytalne mo\u017ce podlega\u0107 egzekucji. Dodatkowo przepisy reguluj\u0105 te\u017c czy inne \u015bwiadczenia, np. \u015bwiadczenia socjalne, odszkodowania z ubezpiecze\u0144, \u015brodki wyp\u0142acane z Zak\u0142adowego Funduszu \u015awiadcze\u0144 Socjalnych, nadp\u0142aty z tytu\u0142u podatku dochodowego, itp. wchodz\u0105 lub nie wchodz\u0105 do masy upad\u0142o\u015bci<\/p><div class=\"pad1530 border1 bg-color-01\"><p><i class=\"fas fa-info-circle\"><\/i>\u00a0Upewnij si\u0119, kt\u00f3re z Twoich dochod\u00f3w s\u0105 bezpieczne i nie zostan\u0105 zaj\u0119te w trakcie post\u0119powania upad\u0142o\u015bciowego.<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy og\u0142oszenie upad\u0142o\u015bci b\u0119dzie mia\u0142o wp\u0142yw na mojego wsp\u00f3\u0142ma\u0142\u017conka?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b>Og\u0142oszenie upad\u0142o\u015bci ma wp\u0142yw na Twojego wsp\u00f3\u0142ma\u0142\u017conka<\/b>\u00a0w zale\u017cno\u015bci od tego czy mi\u0119dzy Wami istnieje wsp\u00f3lno\u015b\u0107, czy te\u017c rozdzielno\u015b\u0107 maj\u0105tkowa. Znaczenie ma te\u017c, to w jaki spos\u00f3b i kiedy dosz\u0142o do powstania rozdzielno\u015bci maj\u0105tkowej, bowiem w okre\u015blonych przypadkach mo\u017ce okaza\u0107 si\u0119 to nieskuteczne. Przy og\u0142aszaniu upad\u0142o\u015bci przez jednego z ma\u0142\u017conk\u00f3w warto wzi\u0105\u0107 te\u017c pod uwag\u0119, to czy drugi ma\u0142\u017conek jest wsp\u00f3\u0142odpowiedzialny za Twoje d\u0142ugi np. z tytu\u0142u udzielonego por\u0119czenia lub podpisania weksla i jaki to b\u0119dzie mia\u0142o na niego wp\u0142yw.<\/p><p><b>Co do zasady maj\u0105tek wsp\u00f3lny ma\u0142\u017conk\u00f3w wchodzi w ca\u0142o\u015bci w sk\u0142ad masy upad\u0142o\u015bci<\/b>\u00a0i s\u0142u\u017cy zaspokojeniu d\u0142ug\u00f3w tego ma\u0142\u017conka, co do kt\u00f3rego og\u0142oszono upad\u0142o\u015b\u0107. Niemniej jednak drugi wsp\u00f3\u0142ma\u0142\u017conek mo\u017ce domaga\u0107 si\u0119 swoich praw z tytu\u0142u udzia\u0142u w maj\u0105tku wsp\u00f3lnym w toku post\u0119powania upad\u0142o\u015bciowego.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy syndyk sprzeda w post\u0119powaniu wszystko co mam?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b>Wraz z og\u0142oszeniem upad\u0142o\u015bci Tw\u00f3j maj\u0105tek stanie si\u0119 mas\u0105 upad\u0142o\u015bci,<\/b>\u00a0kt\u00f3ra b\u0119dzie s\u0142u\u017cy\u0142a zaspokojeniu roszcze\u0144 wierzycieli. Warto jednak wiedzie\u0107, i\u017c nie wszystkie przedmioty, kt\u00f3re posiadasz b\u0119d\u0105 podlega\u0142y sprzeda\u017cy. Przepisy prawa wprost reguluj\u0105 jakie przedmioty musz\u0105 pozosta\u0107 do Twojej dyspozycji, a tak\u017ce przewiduj\u0105 dotkliwe sankcje za brak wykazania ca\u0142ego maj\u0105tku.<\/p><div class=\"pad1530 border1 bg-color-01\"><p><i class=\"fas fa-info-circle\"><\/i>\u00a0Je\u015bli masz w\u0105tpliwo\u015bci co do tego, kt\u00f3re z przedmiot\u00f3w nale\u017c\u0105cych do ciebie zostan\u0105 sprzedane przez syndyka, skontaktuj si\u0119 z nami \u2013 odpowiemy na Twoje pytania.<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Ile kosztuje z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci w s\u0105dzie?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>Podstawowa op\u0142ata s\u0105dowa za z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci wynosi 30,00 z\u0142.<\/p><div class=\"pad1530 border1 bg-color-01\"><p><i class=\"fas fa-info-circle\"><\/i>\u00a0W jaki spos\u00f3b j\u0105 wnie\u015b\u0107 i czy to jedyne koszty z jakimi nale\u017cy si\u0119 liczy\u0107 wnosz\u0105c o upad\u0142o\u015b\u0107 konsumenck\u0105 dowiesz si\u0119 podczas bezp\u0142atnej konsultacji z naszym specjalist\u0105.<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Czy mog\u0119 og\u0142osi\u0107 upad\u0142o\u015b\u0107, je\u017celi posiadam aktywn\u0105 lub zawieszon\u0105 dzia\u0142alno\u015b\u0107 gospodarcz\u0105?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>Og\u0142oszenie upad\u0142o\u015bci konsumenckiej mo\u017cliwe jest dopiero po zako\u0144czeniu prowadzenia dzia\u0142alno\u015bci.<\/p><div class=\"pad1530 border1 bg-color-01\"><p><i class=\"fas fa-info-circle\"><\/i>\u00a0Je\u015bli masz w\u0105tpliwo\u015bci co do statusu Twojej dzia\u0142alno\u015bci lub zastanawiasz si\u0119 jaki czas musi up\u0142yn\u0105\u0107 od zako\u0144czenia dzia\u0142alno\u015bci, aby m\u00f3c wyst\u0105pi\u0107 o og\u0142oszenie upad\u0142o\u015bci konsumenckiej, nasi doradcy odpowiedz\u0105 na Twoje pytania.<\/p><\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fff6058 elementor-widget elementor-widget-spacer\" data-id=\"fff6058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af155b2 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"af155b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-439a751 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"439a751\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:301,&quot;url&quot;:&quot;https:\\\/\\\/newpmr.restrukturyzacja.app\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/portrait02.jpg&quot;}],&quot;background_slideshow_slide_transition&quot;:&quot;slide_left&quot;,&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68d1f90 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"68d1f90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9b9852 elementor-widget elementor-widget-heading\" data-id=\"b9b9852\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kim <span style=\"color: #A78F68\"> jeste\u015bmy?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc8db43 elementor-widget elementor-widget-text-editor\" data-id=\"cc8db43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jeste\u015bmy kancelari\u0105, kt\u00f3rej\u00a0<b>nadrz\u0119dnym celem jest niesienie pomocy w trudnych sytuacjach<\/b>\u00a0kryzysowych dla firm jak i dla os\u00f3b prywatnych. Od\u00a0wielu lat prowadzimy post\u0119powania upad\u0142o\u015bciowe oraz restrukturyzacyjne.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3772eef elementor-widget elementor-widget-text-editor\" data-id=\"3772eef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col col70 section-desc1\"><div class=\"pad75\"><p class=\"medium1 justify\">Do Waszej dyspozycji mamy\u00a0<b>licencjonowanych doradc\u00f3w restrukturyzacyjnych,<\/b>\u00a0kt\u00f3rzy\u00a0<b>we wsp\u00f3\u0142pracy z\u00a0ekspertami<\/b>\u00a0z\u00a0zakresu komunikacji, finans\u00f3w i\u00a0prawa\u00a0<b>przeprowadz\u0105 Was przez proces upad\u0142o\u015bciowy.<\/b><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-491fa02 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"491fa02\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3acbde8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3acbde8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5db7805 elementor-testimonial--align-left elementor-testimonial--mobile-align-center elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-widget elementor-widget-testimonial-carousel\" data-id=\"5db7805\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/user00.jpg\" alt=\"+48 22-30-05-105\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">+48 22-30-05-105<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d4c62 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"70d4c62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c42c93d elementor-widget elementor-widget-heading\" data-id=\"c42c93d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bezp\u0142atna konsultacja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6701d9a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6701d9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0da40b5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0da40b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">NAPISZ DO NAS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af97247 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"af97247\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e96d0b elementor-widget elementor-widget-image\" data-id=\"1e96d0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"133\" src=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1.png\" class=\"attachment-full size-full wp-image-9\" alt=\"\" srcset=\"https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1.png 350w, https:\/\/newpmr.restrukturyzacja.app\/wp-content\/uploads\/2024\/09\/logo1-300x114.png 300w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b0053d elementor-widget elementor-widget-heading\" data-id=\"5b0053d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Masz pytania? Potrzebujesz dodatkowych informacji?<br><span style=\"color: #A78F68\"> Porozmawiajmy. Konsultacja jest bezp\u0142atna.<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Upad\u0142o\u015b\u0107 konsumencka &#8211; informacje Uwolnij si\u0119 od d\u0142ug\u00f3w i zacznij \u017cycie na nowo.Wysoko\u015b\u0107 d\u0142ug\u00f3w zaczynaj\u0105 Ciebie przyt\u0142acza\u0107?Brakuje Tobie \u015brodk\u00f3w na sp\u0142at\u0119 zobowi\u0105za\u0144? Z nasz\u0105 pomoc\u0105 zyskasz szans\u0119 na wolno\u015b\u0107 od d\u0142ug\u00f3w i nowy start Upad\u0142o\u015b\u0107 konsumencka &#8211; informacje Uwolnij si\u0119 od d\u0142ug\u00f3w i zacznij \u017cycie na nowo.Wysoko\u015b\u0107 d\u0142ug\u00f3w zaczynaj\u0105 Ciebie przyt\u0142acza\u0107?Brakuje Tobie \u015brodk\u00f3w na sp\u0142at\u0119 zobowi\u0105za\u0144? Z nasz\u0105 pomoc\u0105 zyskasz szans\u0119 na wolno\u015b\u0107 od d\u0142ug\u00f3w i nowy start Czym jestupad\u0142o\u015b\u0107 konsumencka? Upad\u0142o\u015b\u0107 konsumencka to rodzaj post\u0119powania s\u0105dowego przewidzianego dla konsument\u00f3w, czyli os\u00f3b nie prowadz\u0105cych dzia\u0142alno\u015bci gospodarczej. Prowadzenie dzia\u0142alno\u015bci gospodarczej nie przes\u0105dza jednak ca\u0142kowicie o\u00a0braku mo\u017cliwo\u015bci og\u0142oszenia upad\u0142o\u015bci. Do og\u0142oszenia upad\u0142o\u015bci mo\u017ce doj\u015b\u0107 w przypadku wyst\u0119powania stanu niewyp\u0142acalno\u015bci.\u00a0Innymi s\u0142owy &#8211; to pomoc w sytuacji przyt\u0142aczaj\u0105cego zad\u0142u\u017cenia, powsta\u0142ego przewa\u017cnie z przyczyn niezale\u017cnych od d\u0142u\u017cnika, takich jak choroba, zwolnienie z pracy, ci\u0119\u017cka sytuacja osobista, a tak\u017ce nietrafnych decyzji finansowych.\u00a0Celem og\u0142oszenia upad\u0142o\u015bci konsumenckiej jest odd\u0142u\u017cenie,\u00a0czyli umo\u017cliwienie niewyp\u0142acalnej osobie wyj\u015bcia z d\u0142ug\u00f3w. W istotnej cz\u0119\u015bci post\u0119powa\u0144 zobowi\u0105zania s\u0105 ca\u0142kowicie umarzane.\u00a0W\u00a0pozosta\u0142ej cz\u0119\u015bci post\u0119powa\u0144 umorzeniu ulega wi\u0119kszo\u015b\u0107 d\u0142ug\u00f3w, a pozosta\u0142e nieumorzone zobowi\u0105zania sp\u0142acane s\u0105 za pomoc\u0105 realnego planu sp\u0142aty \u2013 jednej niskiej raty ustalonej przez s\u0105d. SKONTAKTUJ SI\u0118 Z NAMI Wspieramy konsument\u00f3w +48 22-30-05-105 Bezp\u0142atna konsultacja NAPISZ DO NAS Jak wygl\u0105da post\u0119powanie upad\u0142o\u015bciowe krok po kroku? 1. Kontakt z Kancelari\u0105 Kontakt z Kancelari\u0105 jest pierwszym i podstawowym krokiem. Bezp\u0142atnie przeanalizujemy Twoj\u0105 sytuacj\u0119 finansow\u0105 i sprawdzimy czy og\u0142oszenie upad\u0142o\u015bci jest dobrym rozwi\u0105zaniem dla Ciebie. 2. Przygotowanie wniosku Zbierane s\u0105 wszelkie informacje i dokumenty koniecznie do przygotowania skutecznego wniosku. Na ich podstawie kompleksowo przygotujemy kompletny wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. 3. Rozpatrzenie wniosku przez S\u0105d S\u0105d mo\u017ce og\u0142osi\u0107 post\u0119powanie upad\u0142o\u015bciowe lub oddali\u0107 albo zwr\u00f3ci\u0107 wniosek o og\u0142oszenie upad\u0142o\u015bci konsumenckiej. 4. W\u0142a\u015bciwe post\u0119powanie upad\u0142o\u015bciowe Na tym etapie syndyk ustala warto\u015b\u0107 Twoich d\u0142ug\u00f3w, bada jakim maj\u0105tkiem dysponujesz oraz kt\u00f3re z Twoich sk\u0142adnik\u00f3w maj\u0105tkowych mog\u0105 zosta\u0107 zbyte, a kt\u00f3re na podstawie obowi\u0105zuj\u0105cych przepis\u00f3w s\u0105 zwolnione spod egzekucji 5. Ustalenie planu sp\u0142aty wierzycieli W zale\u017cno\u015bci od tego jak\u0105 form\u0119 przyjmie Twoje post\u0119powanie \u2013 uproszczone czy og\u00f3lne, syndyk przygotuje dla Ciebie projekt planu sp\u0142aty lub te\u017c to na Tobie b\u0119dzie ci\u0105\u017cy\u0142 obowi\u0105zek z\u0142o\u017cenia w odpowiednim momencie wniosku o ustalenia planu sp\u0142aty lub wniosku o umorzenie zobowi\u0105za\u0144. 6. Umorzenie wierzytelno\u015bci S\u0105d po zapoznaniu si\u0119 z materia\u0142em sprawy podejmie decyzj\u0119 w jakim zakresie Twoje zobowi\u0105zania zostan\u0105 umorzone oraz kiedy ostatecznie to nast\u0105pi. O czym warto pami\u0119ta\u0107? Upad\u0142o\u015b\u0107 konsumencka jest szczeg\u00f3ln\u0105 szans\u0105 na odd\u0142u\u017cenie,\u00a0je\u015bli jeste\u015b osob\u0105 fizyczn\u0105 nieprowadz\u0105c\u0105 dzia\u0142alno\u015bci gospodarczej, kt\u00f3ra nie jest w stanie samodzielnie pokry\u0107 swoich zobowi\u0105za\u0144.\u00a0Jednak og\u0142oszenie upad\u0142o\u015bci konsumenckiej poci\u0105ga za sob\u0105 daleko id\u0105ce skutki,\u00a0z\u00a0kt\u00f3rymi powiniene\u015b si\u0119 liczy\u0107 rozwa\u017caj\u0105c z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci. O czym &#8211; warto pami\u0119ta\u0107? Upad\u0142o\u015b\u0107 konsumencka jest szczeg\u00f3ln\u0105 szans\u0105 na odd\u0142u\u017cenie,\u00a0je\u015bli jeste\u015b osob\u0105 fizyczn\u0105 nieprowadz\u0105c\u0105 dzia\u0142alno\u015bci gospodarczej, kt\u00f3ra nie jest w stanie samodzielnie pokry\u0107 swoich zobowi\u0105za\u0144.\u00a0Jednak og\u0142oszenie upad\u0142o\u015bci konsumenckiej poci\u0105ga za sob\u0105 daleko id\u0105ce skutki,\u00a0z\u00a0kt\u00f3rymi powiniene\u015b si\u0119 liczy\u0107 rozwa\u017caj\u0105c z\u0142o\u017cenie wniosku o og\u0142oszenie upad\u0142o\u015bci. Przede wszystkim utracisz prawo zarz\u0105du nad swoim maj\u0105tkiem Maj\u0105tek stanie si\u0119 mas\u0105 upad\u0142o\u015bci. Warto zaznaczy\u0107, \u017ce mas\u0105 upad\u0142o\u015bci jest nie tylko maj\u0105tek, kt\u00f3ry posiadasz si\u0119 w chwili og\u0142oszenia upad\u0142o\u015bci, lecz tak\u017ce ten, kt\u00f3ry nab\u0119dziesz w trakcie trwania post\u0119powania upad\u0142o\u015bciowego. St\u0105d te\u017c cz\u0119\u015b\u0107 dochod\u00f3w jakie uzyskujesz mo\u017ce zosta\u0107 zaj\u0119ta na rzecz masy upad\u0142o\u015bci. Rozdzielno\u015b\u0107 maj\u0105tkowa Maj\u0105tek stanie si\u0119 mas\u0105 upad\u0142o\u015bci. Warto zaznaczy\u0107, \u017ce mas\u0105 upad\u0142o\u015bci jest nie tylko maj\u0105tek, kt\u00f3ry posiadasz si\u0119 w chwili og\u0142oszenia upad\u0142o\u015bci, lecz tak\u017ce ten, kt\u00f3ry nab\u0119dziesz w trakcie trwania post\u0119powania upad\u0142o\u015bciowego. St\u0105d te\u017c cz\u0119\u015b\u0107 dochod\u00f3w jakie uzyskujesz mo\u017ce zosta\u0107 zaj\u0119ta na rzecz masy upad\u0142o\u015bci. \u00a0 Tw\u00f3j maj\u0105tek zostanie sprzedany Ca\u0142y Tw\u00f3j maj\u0105tek, z wyj\u0105tkami okre\u015blonymi w przepisach, zostanie przez syndyka sprzedany w trakcie post\u0119powania upad\u0142o\u015bciowego. \u015arodki pozyskane w ten spos\u00f3b b\u0119d\u0105 przeznaczone na pokrycie koszt\u00f3w post\u0119powania i Twoje zobowi\u0105zania wzgl\u0119dem wierzycieli. \u00a0 Wp\u0142yw na czynno\u015bci prawne Ca\u0142y Tw\u00f3j maj\u0105tek, z wyj\u0105tkami okre\u015blonymi w przepisach, zostanie przez syndyka sprzedany w trakcie post\u0119powania upad\u0142o\u015bciowego. \u015arodki pozyskane w ten spos\u00f3b b\u0119d\u0105 przeznaczone na pokrycie koszt\u00f3w post\u0119powania i Twoje zobowi\u0105zania wzgl\u0119dem wierzycieli. \u00a0 Ograniczenie mo\u017cliwo\u015bci zawieranych um\u00f3w Do przykrych konsekwencji upad\u0142o\u015bci konsumenckiej nale\u017cy ograniczenie mo\u017cliwo\u015bci zawieranych um\u00f3w. W praktyce oznacza to, \u017ce b\u0119dziesz m\u00f3g\u0142 zawiera\u0107 typowe umowy \u017cycia codziennego, jak np. zakup \u017cywno\u015bci. Jednak absolutnie wykluczone jest zawieranie um\u00f3w, kt\u00f3re mog\u0142yby zwi\u0119kszy\u0107 stan Twojego zad\u0142u\u017cenia \u2013 tzn. nie dostaniesz zgody np. na wzi\u0119cie kolejnej po\u017cyczki. \u00a0 To tylko niekt\u00f3re z konsekwencji jakie niesie za sob\u0105 og\u0142oszenie upad\u0142o\u015bci, niemniej jednak upad\u0142o\u015b\u0107 konsumencka to dobra recepta na zwalczanie problemu nadmiernego zad\u0142u\u017cenia. \u00a0\u00a0 +48 22-30-05-105 Bezp\u0142atna konsultacja NAPISZ DO NAS Mo\u017cemy Tobie pom\u00f3c W jakich przypadkach pomagamy? PMR Restrukturyzacje zapewni Ci kompleksow\u0105 pomoc w sprawach o upad\u0142o\u015b\u0107 konsumenck\u0105. Mo\u017cesz liczy\u0107 na to, \u017ce doradca z naszej kancelarii pomo\u017ce Tobie w przygotowaniu niezb\u0119dnej dokumentacji. W\u015br\u00f3d spraw i os\u00f3b, kt\u00f3rym pomagamy, nale\u017cy wymieni\u0107 m.in.: osoby, kt\u00f3re wpad\u0142y w p\u0119tle &#8222;chwil\u00f3wek&#8221;, byli przedsi\u0119biorcy, cz\u0142onkowie zarz\u0105du sp\u00f3\u0142ek, trudne sytuacje rodzinne (rozw\u00f3d, rozstanie, choroba, ma\u0142\u017conek d\u0142u\u017cnika i inne), utrata pracy, redukcja zarobk\u00f3w, por\u0119czyciele, rolnicy, najemcy w galeriach handlowych. Je\u015bli jedno z powy\u017cszych hase\u0142 opisuje Ciebie, nie zwlekaj d\u0142u\u017cej. SKONTAKTUJ SI\u0118 Z NAMI Poznaj historienaszych klient\u00f3w 1 2 3 Historia Pani Katarzyny Historia Pani Katarzyny ogl\u0105daj teraz Pani Katarzyna w latach 90. by\u0142a wsp\u00f3lnikiem w sp\u00f3\u0142ce cywilnej. Dzia\u0142alno\u015bci\u0105 faktycznie zajmowa\u0142 si\u0119 jej m\u0105\u017c, a ona sama nie podejmowa\u0142a \u017cadnych decyzji biznesowych. W ramach prowadzonej dzia\u0142alno\u015bci podpisa\u0142a por\u0119czenie wekslowe.\u00a0Na przestrzeni kolejnych lat Pani Katarzyna wyst\u0105pi\u0142a ze sp\u00f3\u0142ki, rozwiod\u0142a si\u0119 z m\u0119\u017cem i zacz\u0119\u0142a uk\u0142ada\u0107 sobie \u017cycie ma nowo. Jednak\u017ce do jej pracodawcy wp\u0142yn\u0119\u0142o pismo od komornika wzywaj\u0105ce do zaj\u0119cia wynagrodzenia Pani Katarzyny. W wyniku podj\u0119tych dzia\u0142a\u0144 Pani Katarzyna ustali\u0142a,\u00a0i\u017c egzekucja dotyczy kilku milionowego d\u0142ugu,\u00a0za kt\u00f3ry odpowiada na podstawie wspomnianego por\u0119czenia wekslowego.\u00a0Przez blisko 10 lat komornik prowadzi\u0142 post\u0119powanie egzekucyjne,\u00a0w trakcie kt\u00f3rego zajmowa\u0142 wynagrodzenie za prac\u0119 Pani Katarzyny, jednak dochody nie by\u0142y wystarczaj\u0105ce by pokry\u0107 tak ogromny d\u0142ug. Pani Katarzyna zdecydowa\u0142a si\u0119 og\u0142osi\u0107 upad\u0142o\u015b\u0107. W ramach przeprowadzonego post\u0119powania upad\u0142o\u015bciowego\u00a0S\u0105d ustali\u0142 dla niej plan sp\u0142aty na okres 24 miesi\u0105ce w wysoko\u015bci 400 z\u0142. Aktualnie Pani Katarzyna zako\u0144czy\u0142a ju\u017c wykonywanie planu sp\u0142aty , a jej zobowi\u0105zanie na kwot\u0119 ponad 12 mln z\u0142 zosta\u0142o umorzone. Sytuacja Pani Katarzyny mog\u0142a wydawa\u0107 si\u0119 bez wyj\u015bcia,\u00a0jednak dzi\u0119ki og\u0142oszeniu upad\u0142o\u015bci uda\u0142o si\u0119 j\u0105 naprawi\u0107. Historia Pana Marka Historia Pana Marka ogl\u0105daj teraz Pocz\u0105tkowo<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","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":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","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":""},"class_list":["post-975","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/pages\/975","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/comments?post=975"}],"version-history":[{"count":0,"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/pages\/975\/revisions"}],"wp:attachment":[{"href":"https:\/\/newpmr.restrukturyzacja.app\/uk\/wp-json\/wp\/v2\/media?parent=975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}