{"id":32093,"date":"2026-07-31T14:06:52","date_gmt":"2026-07-31T12:06:52","guid":{"rendered":"https:\/\/szlegal.pl\/?page_id=32093"},"modified":"2026-09-11T15:09:27","modified_gmt":"2026-09-11T13:09:27","slug":"upadlosc-konsumencka-poznan","status":"publish","type":"page","link":"https:\/\/szlegal.pl\/en\/upadlosc-konsumencka-poznan\/","title":{"rendered":"Consumer bankruptcy"},"content":{"rendered":"<div role=\"form\" class=\"wpcf7\" id=\"wpcf7-f9-p9-o1\" lang=\"en-GB\" dir=\"ltr\"><div><div class=\"wpcf7-form\"><div class=\"fit-the-fullspace\"><div><div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div><form action=\"\/en\/wp-json\/wp\/v2\/pages\/32093#wpcf7-f9-p9-o1\" method=\"post\" class=\"wpcf7-form init\" enctype=\"\" autocomplete=\"autocomplete\" novalidate=\"novalidate\" data-status=\"init\" locale=\"en_GB\" data-trp-original-action=\"\/en\/wp-json\/wp\/v2\/pages\/32093#wpcf7-f9-p9-o1\"><div style=\"display: block;\"><input type=\"hidden\" name=\"_wpcf7\" value=\"9\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f9-p9-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_fit-the-fullspace\" value=\"\" \/>\n<\/div><p><label> Your name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Subject<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-subject\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-subject\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your message (optional)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form><\/div><\/div><\/div><\/div><\/div>\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"32093\" class=\"elementor elementor-32093\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-feec7e6 e-flex e-con-boxed e-con e-parent\" data-id=\"feec7e6\" 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-3bf43fd7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3bf43fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" 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\">consumer bankruptcy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68057b7e elementor-widget elementor-widget-spacer\" data-id=\"68057b7e\" 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-13dbb757 e-flex e-con-boxed e-con e-parent\" data-id=\"13dbb757\" 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-1c0d86d9 e-con-full e-flex e-con e-child\" data-id=\"1c0d86d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4288ddcb elementor-widget elementor-widget-text-editor\" data-id=\"4288ddcb\" 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>Growing loans, borrowings, unpaid bills or debts left after closing a business can lead to a situation in which repaying obligations on time becomes impossible.<\/p><p>In such a case, one of the possible solutions is <strong>consumer bankruptcy<\/strong>. The proceedings make it possible to put the situation of an insolvent person in order, settle their assets and liabilities and, in appropriate cases, lead to the cancellation of some of the unpaid debts.<\/p><p>Our firm helps at every stage \u2013 from analysing the debt and preparing the petition, through the proceedings involving the trustee, to the repayment plan and the conclusion of the case.<\/p><h4 style=\"text-align: left;\">What is consumer bankruptcy?<\/h4><p>Consumer bankruptcy is intended primarily for <strong>individuals who do not run a business and have become insolvent<\/strong>.<\/p><p>Its purpose is to put the debt in order and allow the debtor to be relieved of debt to the extent provided for by law.<\/p><p>However, declaring bankruptcy does not mean that all debts are automatically cancelled. After bankruptcy is declared, the trustee analyses the debtor\u2019s financial situation, and at a later stage the court may set a plan for repaying creditors.<\/p><h4 style=\"text-align: left;\">How we can help<\/h4><p>Our help may include, among other things:<\/p><ul><li><p style=\"text-align: left;\">analysing the debt and financial situation,<\/p><\/li><li style=\"text-align: left;\"><p>assessing whether bankruptcy can be declared,<\/p><\/li><li style=\"text-align: left;\"><p>preparing the list of creditors,<\/p><\/li><li style=\"text-align: left;\"><p>drafting the consumer bankruptcy petition,<\/p><\/li><li style=\"text-align: left;\"><p>collecting the required documents,<\/p><\/li><li style=\"text-align: left;\"><p>representation in the proceedings,<\/p><\/li><li><p style=\"text-align: left;\">support in dealing with the trustee,<\/p><\/li><li><p style=\"text-align: left;\">matters concerning the repayment plan,<\/p><\/li><li><p style=\"text-align: left;\">analysing the possibility of debt cancellation.<\/p><\/li><\/ul><h4 style=\"text-align: left;\">When can you declare consumer bankruptcy?<\/h4><p>The basic condition is insolvency, i.e. a situation in which the debtor <strong>has lost the ability to pay their due monetary obligations<\/strong>.<\/p><p>The causes may vary \u2013 job loss, illness, excessive debt, loans, family obligations or debts incurred during a previous business.<\/p><p>However, the amount of debt alone does not determine whether bankruptcy will be the best solution. That is why we analyse each case individually.<\/p><h4 style=\"text-align: left;\">What happens after bankruptcy is declared?<\/h4><p>After bankruptcy is declared, the court appoints a trustee.<\/p><p>The trustee establishes the debtor\u2019s assets, analyses the claims and \u2013 if there are assets that can be sold \u2013 liquidates them.<\/p><p>Enforcement proceedings concerning assets included in the bankruptcy estate are no longer conducted under the previous rules.<\/p><h4 style=\"text-align: left;\">Can you declare bankruptcy without any assets?<\/h4><p>Yes. <strong>Not having a flat, a car or savings does not rule out consumer bankruptcy.<\/strong><\/p><p>Whether proceedings can be conducted depends primarily on insolvency, not on whether the debtor has valuable assets.<\/p><p>If, however, they own a flat or house, they must expect that the property may become part of the bankruptcy estate and be sold.<\/p><h4 style=\"text-align: left;\">Creditor repayment plan<\/h4><p>After the steps concerning the assets have been completed, the court may set a <strong>creditor repayment plan<\/strong>.<\/p><p>When setting it, the court takes into account, among other things, the debtor\u2019s earning capacity, living costs, family situation and the amount of liabilities.<\/p><p>In certain cases, it is also possible to cancel debts without setting a repayment plan if the debtor\u2019s situation indicates a permanent inability to make any repayments.<\/p><h4 style=\"text-align: left;\">Which debts can be cancelled?<\/h4><p>Consumer bankruptcy may cover, among other things:<\/p><ul><li><p style=\"text-align: left;\">bank loans,<\/p><\/li><li style=\"text-align: left;\"><p>loans and payday loans,<\/p><\/li><li style=\"text-align: left;\"><p>credit card debt,<\/p><\/li><li style=\"text-align: left;\"><p>unpaid bills,<\/p><\/li><li><p style=\"text-align: left;\">some debts related to a previous business.<\/p><\/li><\/ul><p>However, not all obligations can be cancelled. This applies, among other things, to maintenance (alimony) and certain obligations arising from court rulings.<\/p><p>That is why, before filing the petition, we analyse not only the amount of the debt but also its nature.<\/p><h4 style=\"text-align: left;\">Debts from a former business<\/h4><p>A former entrepreneur may, in certain cases, use consumer bankruptcy even if part of their debt arose while running the business.<\/p><p>Such cases often require a more detailed analysis of the history of the debt and when the financial problems began.<\/p><h4 style=\"text-align: left;\">Legal assistance in consumer bankruptcy<\/h4><p>First, we analyse the client\u2019s financial situation and check whether consumer bankruptcy is the right solution.<\/p><p>If so, we help prepare the petition and documentation and guide you through the successive stages of the proceedings.<\/p><p><strong>Our aim is not only to obtain a decision declaring bankruptcy, but to genuinely put the client\u2019s financial situation in order and \u2013 where the law allows \u2013 relieve them of debt.<\/strong><\/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-297fd9a2 e-con-full e-flex e-con e-child\" data-id=\"297fd9a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2aabf0a1 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"2aabf0a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-651ea4ed elementor-widget elementor-widget-text-editor\" data-id=\"651ea4ed\" 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=\"elementor-element elementor-element-4be475a flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-heading\" data-id=\"4be475a\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container title-h6\" style=\"text-align: center;\"><h5 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #700404;\">Need legal advice? Contact us.<br \/><\/span><\/h5><\/div><\/div><div class=\"elementor-element elementor-element-c760674 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"c760674\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>We consult every case free of charge.<br \/><strong>kancelaria@szlegal.pl | +48 518 101 211<br \/><\/strong>or use the form below.<\/p><\/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<div class=\"elementor-element elementor-element-793d3293 elementor-widget elementor-widget-spacer\" data-id=\"793d3293\" 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<div class=\"elementor-element elementor-element-3f0b27de e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"3f0b27de\" data-element_type=\"container\" data-e-type=\"container\">\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-10a60cf e-con-full e-flex e-con e-parent\" data-id=\"10a60cf\" 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-561e924e e-con-full e-flex e-con e-child\" data-id=\"561e924e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-130c0ac1 elementor-widget elementor-widget-heading\" data-id=\"130c0ac1\" 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<h1 class=\"elementor-heading-title elementor-size-default\">How we work<\/h1>\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-42ac610d e-con-full e-flex e-con e-child\" data-id=\"42ac610d\" 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-57e32151 e-con-full e-flex e-con e-child\" data-id=\"57e32151\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44c61ab9 elementor-view-stacked elementor-widget__width-initial elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"44c61ab9\" 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<i aria-hidden=\"true\" class=\"gem-mdi mdi-numeric-1-box\"><\/i>\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<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSubmitting your case<br>for review\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\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\tWe review your case free of charge to identify possible ways out of debt.\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-139dc56b elementor-widget__width-initial e-transform e-transform elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"139dc56b\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59d60b09 e-con-full e-flex e-con e-child\" data-id=\"59d60b09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-690f29a0 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"690f29a0\" 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<i aria-hidden=\"true\" class=\"gem-mdi mdi-numeric-2-box\"><\/i>\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<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSigning the agreement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\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\tWe set out the terms of cooperation and the firm\u2019s fee in a clear and transparent way\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-75c91c03 elementor-widget__width-initial e-transform e-transform elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"75c91c03\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.4,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.5,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b7fb95f e-con-full e-flex e-con e-child\" data-id=\"4b7fb95f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed14a3c elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ed14a3c\" 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<i aria-hidden=\"true\" class=\"gem-mdi mdi-numeric-3-box\"><\/i>\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<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHandling your case\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\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\tWe support our clients at every stage of the case \u2013 both before and during court proceedings\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b21baf4 elementor-widget__width-initial e-transform e-transform elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3b21baf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.4,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.5,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scaleY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-567e5b0f e-con-full e-flex e-con e-child\" data-id=\"567e5b0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f480402 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3f480402\" 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<i aria-hidden=\"true\" class=\"gem-mdi mdi-numeric-4-box\"><\/i>\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<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClosing the case\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\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\tWe aim to conclude the proceedings with debt relief or a repayment plan, and then prepare reports on its performance.\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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ecc28ea e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"ecc28ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-188b7af elementor-widget elementor-widget-heading\" data-id=\"188b7af\" 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\">legal blog<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Your name Your email Subject Your message (optional) upad\u0142o\u015b\u0107 Konsumencka Narastaj\u0105ce kredyty, po\u017cyczki, zaleg\u0142e rachunki czy d\u0142ugi pozosta\u0142e po zamkni\u0119ciu dzia\u0142alno\u015bci mog\u0105 doprowadzi\u0107 do sytuacji, w kt\u00f3rej bie\u017c\u0105ca sp\u0142ata zobowi\u0105za\u0144 staje si\u0119 niemo\u017cliwa. W takim przypadku jednym z mo\u017cliwych rozwi\u0105za\u0144 jest upad\u0142o\u015b\u0107 konsumencka. Post\u0119powanie pozwala uporz\u0105dkowa\u0107 sytuacj\u0119 osoby niewyp\u0142acalnej, rozliczy\u0107 jej maj\u0105tek i zobowi\u0105zania, a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-fullwidth.php","meta":{"footnotes":""},"class_list":["post-32093","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/pages\/32093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/comments?post=32093"}],"version-history":[{"count":0,"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/pages\/32093\/revisions"}],"wp:attachment":[{"href":"https:\/\/szlegal.pl\/en\/wp-json\/wp\/v2\/media?parent=32093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}