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  1. 2 Pieniądze i Więź

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  1. 1 Cioch P.

  2. 1 Swiecka B. A.

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  1. 2 2010

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1

THE LEGAL BASIS OF CONSUMER BANCRUPTCY (Podstawy prawne upadlosci konsumenckiej)

100%
Cioch P.
Pieniądze i Więź
|
2010
|
vol. 13
|
issue 2(47)
117-125
EN
Since 31 March 2009, there is a possibility for personal bankruptcy in Poland. The article presents selected models of personal bankruptcy (fresh start and earned fresh start) in the United States and selected European countries - Great Britain, France and Germany. On the background of these regulations the author has developed legal analysis of Polish solutions. There is a need for their amendment. Model of personal bankruptcy in Poland is too restrictive and often unavailable to people who get into debt not because of their guilt. In practice, the declaration of personal bankruptcy by the court may be more difficult than in the case of trader bankruptcy. In the case of personal bankruptcy there is a requirement for at least two creditors and certificated bankruptcy. Apart form basis for declaration of bankruptcy, the author outlines the course of the liquidation and payment of creditors and proposes amendments which would remove the existing holes in provisions on personal bankruptcy.
2

THE DANGER OF INSOLVENCY OF HOUSEHOLDS IN POLAND (Zagrozenie niewyplacalnoscia gospodarstw domowych w Polsce.)

80%
Swiecka B. A.
Pieniądze i Więź
|
2010
|
vol. 13
|
issue 2(47)
126-135
EN
The phenomenon of insolvency becomes more and more widespread and without doubt is alarming. More and more households have problems with the control of their obligations. The aim of this article is analysis of the threat of insolvency of households and it is executed in the support of author's own research with the use of empirical data of National Polish Bank and Polish Financial Supervision Authority, which shows the rise of endangered credits.
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