Help for individuals considering consumer bankruptcy in Poland
Debt can bring shame and a sense of helplessness. The first step is always a calm, individual conversation about your situation — only then do we establish whether, and how, to file a consumer bankruptcy petition under Polish law.
Situation and eligibility analysis
Checking whether a consumer bankruptcy petition can be filed in your situation, and discussing which circumstances may matter for the case.
Help gathering documents
Support compiling the asset schedule, the list of creditors, income information, and other documents required to file the petition.
Preparing and filing the petition
Drafting the bankruptcy petition in line with statutory requirements, to reduce the risk of formal deficiencies and unnecessary delay.
Representation throughout the proceedings
Support at each subsequent stage of the case, including communication with the court, the trustee, and creditors, within the limits permitted by law.
Assets, repayment plan, and debt discharge
Explaining the possible next stages — including matters relating to assets and housing, the creditors' repayment plan, and the conditions for debt discharge. See Assets, housing, and the debtor's duties and Repayment plan and debt discharge.
Creditor negotiations
Where negotiating with creditors is a realistic alternative or complement to formal proceedings, I help conduct them.
Consumer bankruptcy is not automatic debt discharge
Filing for consumer bankruptcy does not automatically or guarantee the discharge of all liabilities. The court may set a repayment plan lasting several years, and certain obligations — such as maintenance (alimony) obligations — are never discharged. The outcome depends on the specific financial and personal situation and on the court's assessment. The information above is general — the actual scope of help is established after analysing your situation.
Let's talk calmly about your situation
An initial contact is just a conversation — no obligation.