Consumer bankruptcy and debt — legal help in Katowice
Katowice and the surrounding area · meet at our office (Fabryka Porcelany) or online
When debts become more than you can repay, we help you look for a way out — from talks with creditors to consumer bankruptcy. We explain in plain language what you can realistically do, even if a bailiff is already involved.
What does help with unmanageable debt involve?
We look at your situation and explain in plain language which solutions are available: negotiating and reaching an arrangement with creditors, or consumer bankruptcy — the bankruptcy process for a person who doesn't run a business. We explain how each path works and what it means for you. If you choose bankruptcy, we prepare the petition and represent you throughout the proceedings. We explain how the court-set repayment plan works, and when the remaining debt can be discharged by the court once it's been completed. We also support you if a bailiff is already involved in your case.
Specifically, how we help
Consumer bankruptcy
Repayment plan and debt discharge
Negotiating an arrangement with creditors
Bailiff enforcement proceedings
Assessment of your situation
Frequently asked questions
What's the difference between consumer bankruptcy and an arrangement with creditors?
In consumer bankruptcy, the case is handled by the court and a bankruptcy trustee (syndyk): the court usually sets a repayment plan, and once it's completed the remaining debt can, as a rule, be discharged. In some situations, discharge without a repayment plan is possible. An arrangement with creditors is a settlement reached outside the bankruptcy process, for example agreeing a new repayment schedule. During our conversation, we look at your situation and explain which option is worth considering.
How long does consumer bankruptcy take?
It depends on the court, the number of creditors, and whether you have assets that need to be liquidated. The court-set repayment plan itself usually runs for up to a few years. We don't give a fixed timeframe upfront, because the court decides how the proceedings unfold and how long they take — once we've reviewed your documents, we can estimate a realistic timeframe.
Does filing for bankruptcy mean I'll lose everything I own?
As a rule, your assets become part of the bankruptcy estate and may be liquidated, but the law provides for exemptions and amounts set aside to cover living costs. The outcome depends on your family and financial situation. At our meeting, we explain what could realistically happen to your home, your wages or your savings in your specific case.
A bailiff is already enforcing a debt against me — can anything still be done?
Yes, help is still possible even while bailiff enforcement is underway. We check the grounds for the seizure, make sure the amounts protected from deductions are respected, and assess whether it makes sense in your situation to, for example, spread the debt into instalments, reach an arrangement, or file for bankruptcy. The available options depend on the stage of the case and the decisions of the relevant authorities.
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