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Upadłość konsumencka — doświadczenia i perspektywy

100%
Całus E.
Przegląd Prawa i Administracji
|
2015
|
vol. 101
11 - 24
EN
The aim of this article is to sum up the experience to date in the area of bankruptcy procedure towards natural persons who do not conduct their own business activity, as well as to indicate the prospects for the development of the institution of consumer bankruptcy in new regulations which entered into force on 31st December 2014. The form of the Act of 29th August 2014 allows to draw the conclusion that we are dealing with a ‘new consumer bankruptcy’ which will abolish the hitherto existing barriers in the area of debt adjustments for natural persons, while simultaneously maintaining the assumption that people who run up a debt in a reckless way do not deserve to have their liabilities extinguished.
2

Bariery w dostępie do informacji gospodarczej dla konsumenta-seniora

100%
Całus E.
Studenckie Prace Prawnicze, Administratywistyczne i Ekonomiczne
|
2018
|
vol. 26
11-28
EN
Seniors constitute a more and more numerous consumer group. A wide and varied market offer can improve seniors’ lives; however, on the other hand, the lack of proper information about the goods and services interesting for them poses a threat. Generally, seniors are not always self-aware consumers who are familiar with their rights and who can make use of them. Therefore, it is of vital importance to tackle issues connected with senior consumers’ limitations regarding the area of the usage of commercial information and dishonest practices applied by entrepreneurs in contract relationships with this group. The substantive article aims to outline the basic problems which are concerned with seniors’ access to economic information, starting with natural limitations resulting from age, such as limited motor capability, orientation in the provisions which are supposed to protect the weaker party of the transaction, familiarity with the complaint procedure, and ending with various issues connected with contracts concluded in atypical circumstances — outside the business premises and remotely. Moreover, the subjects which will be tackled are information ‘overload’ and co-existing informational ‘noise’, as well as digital divide, as components which additionally deteriorate the elderly consumer’s situation in relations with a professional. Simultaneously the propositions of solutions will be presented that are to level the occurrence of these negative phenomena.
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