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CONSUMER BANKRUPTCY

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Consumer bankruptcy was introduced at the beginning of 2016. The position of a debtor-consumer significantly changed. It gives a chance  to get  rid of bad debts (whole debt sustainability)  to people who are unable to repay them it.

Our Law Firm in Katowice provides comprehensive legal assistance for  individuals who face the problem of excessive debt. For those who do not engage in business  activity or ceased trading, we offer professional support in bankruptcy proceedings. We help to go through the entire process of bankruptcy from filing for bankruptcy by liquidation proceedings, to determining  a final repayment plan. We operate in Katowice and throughout Silesia.

When there is no money to satisfy creditors

Consumer bankruptcy is used when the current income of a debtor and its assets are not sufficient to cover all the outstanding liabilities, nor  to satisfy all creditors.

In such situations, a court will decide what amount of money a debtor has to pay off, for how long and indicate under what conditions this will happen  (a debt repayment plan). The maximum period during which a debtor is obliged to repay liabilities is 36 months.

To take an advantage of the possibility to  declare  consumer insolvency, the consumer’s debts cannot be caused by a wilful misconduct of  the  debtor or his gross negligence.

CONSUMER BANKRUPTCY – LEGAL SERVICES

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We investigate whether there are grounds for carrying out  bankruptcy proceedings

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We represent a debtor in court and in negotiations with creditors

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We provide legal support in a whole process of bankruptcy.

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We advise how to make use of a debts clearing procedure in the context of consumer bankruptcy, in relation to people who previously led business

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We prepare a petition for bankruptcy

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We analyse causes of debts

CONSUMER BANKRUPTCY – BENEFITS

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The main benefit from cooperation with our Law Firm in bankruptcy proceedings, is entrusting a case to specialists. As a result, the debtor can be sure that theur chances of consumer bankruptcy being declared rise substantially.

Upon the completion of consumer bankruptcy proceedings and upon the execution of a repayment plan – all debts are written off. A person released from liabilities can begin a new life.