{"id":402,"date":"2026-07-08T13:59:06","date_gmt":"2026-07-08T11:59:06","guid":{"rendered":"https:\/\/upadlosc-gdansk.pl\/?page_id=402"},"modified":"2026-07-09T09:19:12","modified_gmt":"2026-07-09T07:19:12","slug":"uklad-konsumencki-ochrona-majatku-i-oddluzenie","status":"publish","type":"page","link":"http:\/\/upadlosc-gdansk.pl\/index.php\/uklad-konsumencki-ochrona-majatku-i-oddluzenie\/","title":{"rendered":"UK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE"},"content":{"rendered":"
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UK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE<\/h5>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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Masz d\u0142ugi, ale nie chcesz straci\u0107 domu, mieszkania lub firmy rodzinnej?<\/p>\n

Komornik, bank lub wierzyciele zaczynaj\u0105 podejmowa\u0107 dzia\u0142ania, jednak nadal posiadasz doch\u00f3d pozwalaj\u0105cy na cz\u0119\u015bciow\u0105 sp\u0142at\u0119 zobowi\u0105za\u0144?<\/p>\n

W wielu sytuacjach lepszym rozwi\u0105zaniem ni\u017c klasyczna upad\u0142o\u015b\u0107 konsumencka mo\u017ce by\u0107 uk\u0142ad konsumencki.<\/p>\n

Specjali\u015bci z Kancelarii Prawno-Finansowej Partnerzy w Gda\u0144sku pomagaj\u0105 klientom:<\/p>\n

\u2022 analizowa\u0107 mo\u017cliwo\u015b\u0107 zawarcia uk\u0142adu <\/p>\n

\u2022 negocjowa\u0107 z wierzycielami <\/p>\n

\u2022 chroni\u0107 maj\u0105tek rodzinny <\/p>\n

\u2022 zatrzyma\u0107 dalsze pog\u0142\u0119bianie zad\u0142u\u017cenia <\/p>\n

Ka\u017cda sprawa wymaga jednak indywidualnej analizy mo\u017cliwo\u015bci finansowych oraz sytuacji \u017cyciowej klienta.<\/p>\n

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Czym jest uk\u0142ad konsumencki<\/h2>\n <\/div>\n <\/div>\n
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Uk\u0142ad konsumencki to rozwi\u0105zanie umo\u017cliwiaj\u0105ce:<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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\u2022 restrukturyzacj\u0119 zad\u0142u\u017cenia osoby fizycznej<\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 ustalenie nowych zasad sp\u0142aty zobowi\u0105za\u0144 <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 ochron\u0119 maj\u0105tku przed likwidacj\u0105 <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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W praktyce: zamiast sprzeda\u017cy maj\u0105tku i klasycznej upad\u0142o\u015bci, tworzony jest plan sp\u0142aty dostosowany do realnych mo\u017cliwo\u015bci klienta.<\/p>\n

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Nie ka\u017cda sytuacja wymaga upad\u0142o\u015bci<\/h2>\n <\/div>\n <\/div>\n
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To bardzo wa\u017cne.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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W praktyce cz\u0119\u015b\u0107 klient\u00f3w:<\/h5>\n <\/div>\n <\/div>\n
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\u2022 posiada regularny doch\u00f3d <\/p>\n

\u2022 ma mo\u017cliwo\u015b\u0107 dalszego regulowania cz\u0119\u015bci zobowi\u0105za\u0144 <\/p>\n

\u2022 chce ochroni\u0107 nieruchomo\u015b\u0107 lub maj\u0105tek rodzinny <\/p>\n

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W takich sytuacjach uk\u0142ad konsumencki bardzo cz\u0119sto okazuje si\u0119 rozwi\u0105zaniem korzystniejszym ni\u017c klasyczna upad\u0142o\u015b\u0107.<\/p>\n

Dlatego w Kancelarii Prawno-Finansowej Partnerzy w Gda\u0144sku ka\u017cda sprawa analizowana jest indywidualnie jeszcze przed wyborem procedury odd\u0142u\u017ceniowej.<\/p>\n

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Kiedy uk\u0142ad konsumencki mo\u017ce by\u0107 dobrym rozwi\u0105zaniem<\/h2>\n <\/div>\n <\/div>\n
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Najcz\u0119\u015bciej dotyczy to sytuacji, gdy klient:<\/strong><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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\u2022 posiada nieruchomo\u015b\u0107 obci\u0105\u017con\u0105 hipotek\u0105 <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 chce unikn\u0105\u0107 sprzeda\u017cy domu lub mieszkaniav<\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 ma stabilny doch\u00f3d<\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 posiada rodzin\u0119 i dzieci <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\u2022 prowadzi uporz\u0105dkowane \u017cycie zawodowe <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n
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\u2022 potrzebuje czasu na odzyskanie p\u0142ynno\u015bci finansowej <\/h4>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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W praktyce bardzo cz\u0119sto: uk\u0142ad pozwala zatrzyma\u0107 dalsz\u0105 spiral\u0119 zad\u0142u\u017cenia i jednocze\u015bnie zachowa\u0107 najwa\u017cniejsze sk\u0142adniki maj\u0105tku.<\/strong><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n<\/div>\n<\/div>\n

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Najwi\u0119ksze b\u0142\u0119dy zad\u0142u\u017conych os\u00f3b<\/h2>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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Najwi\u0119ksze b\u0142\u0119dy zad\u0142u\u017conych os\u00f3b<\/h4>\n <\/div>\n <\/div>\n
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\u2022 zbyt d\u0142ugo ignoruj\u0105 problem <\/p>\n

\u2022 sp\u0142acaj\u0105 chwil\u00f3wki kolejnymi po\u017cyczkami <\/p>\n

\u2022 ukrywaj\u0105 zad\u0142u\u017cenie przed rodzin\u0105 <\/p>\n

\u2022 doprowadzaj\u0105 do wypowiedzenia kredytu hipotecznego <\/p>\n

\u2022 pozwalaj\u0105 na wieloletnie egzekucje komornicze <\/p>\n

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Im wcze\u015bniej sprawa zostanie przeanalizowana, tym wi\u0119ksza szansa na wdro\u017cenie rozwi\u0105za\u0144 chroni\u0105cych maj\u0105tek.<\/p>\n

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Co analizujemy podczas spotkania<\/h2>\n <\/div>\n <\/div>\n
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Specjali\u015bci z Kancelarii Prawno-Finansowej Partnerzy w Gda\u0144sku analizuj\u0105 m.in.:<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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\u2022 wysoko\u015b\u0107 zad\u0142u\u017cenia <\/p>\n

\u2022 struktur\u0119 wierzycieli <\/p>\n

\u2022 dochody klienta <\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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\u2022 mo\u017cliwo\u015b\u0107 regulowania cz\u0119\u015bci zobowi\u0105za\u0144 <\/p>\n

\u2022 sytuacj\u0119 rodzinn\u0105 <\/p>\n

\u2022 nieruchomo\u015bci i zabezpieczenia hipoteczne<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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\u2022 aktualne egzekucje <\/p>\n

\u2022 ryzyko wypowiedzenia um\u00f3w kredytowych <\/p>\n

\u2022 mo\u017cliwo\u015b\u0107 zawarcia uk\u0142adu<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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W praktyce ju\u017c podczas konsultacji oceniane s\u0105:<\/p>\n

\u2022 realne szanse na zawarcie uk\u0142adu <\/p>\n

\u2022 ryzyka procesowe <\/p>\n

\u2022 mo\u017cliwo\u015b\u0107 ochrony maj\u0105tku klienta <\/p>\n

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D\u0142ugi firmowe bardzo cz\u0119sto staj\u0105 si\u0119 prywatnym problemem<\/h2>\n <\/div>\n <\/div>\n
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To jedna z najtrudniejszych sytuacji dla przedsi\u0119biorc\u00f3w.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n

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W praktyce:<\/p>\n

\u2022 kredyty by\u0142y zabezpieczane prywatnie <\/p>\n

\u2022 leasingi by\u0142y por\u0119czane osobi\u015bcie <\/p>\n

\u2022 zobowi\u0105zania przechodz\u0105 na maj\u0105tek prywatny <\/p>\n

Bardzo wielu klient\u00f3w dopiero po czasie dowiaduje si\u0119, \u017ce:<\/p>\n

odpowiada nie tylko firma, ale r\u00f3wnie\u017c oni sami.<\/p>\n

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Odpowiedzialno\u015b\u0107 zarz\u0105du i sp\u00f3\u0142ek<\/p>\n

W przypadku sp\u00f3\u0142ek ogromne znaczenie maj\u0105:<\/p>\n

\u2022 terminy sk\u0142adania wniosk\u00f3w <\/p>\n

\u2022 niewyp\u0142acalno\u015b\u0107 <\/p>\n

\u2022 dzia\u0142ania zarz\u0105du <\/p>\n

\u2022 odpowiedzialno\u015b\u0107 z art. 299 ksh <\/p>\n

Odpowiednio szybka reakcja bardzo cz\u0119sto pozwala:<\/p>\n

\u2022 ograniczy\u0107 odpowiedzialno\u015b\u0107 osobist\u0105 <\/p>\n

\u2022 unikn\u0105\u0107 zakazu prowadzenia dzia\u0142alno\u015bci <\/p>\n

\u2022 zabezpieczy\u0107 sytuacj\u0119 maj\u0105tkow\u0105 cz\u0142onk\u00f3w zarz\u0105du <\/p>\n

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Upad\u0142o\u015b\u0107 to nie pora\u017cka \u017cyciowa<\/p>\n

Wielu przedsi\u0119biorc\u00f3w:<\/p>\n

\u2022 traktuje upad\u0142o\u015b\u0107 jak osobist\u0105 kl\u0119sk\u0119 <\/p>\n

\u2022 ukrywa problemy przed rodzin\u0105 <\/p>\n

\u2022 \u017cyje pod ogromn\u0105 presj\u0105 psychiczn\u0105 <\/p>\n

Tymczasem ustawodawca stworzy\u0142 procedury odd\u0142u\u017ceniowe po to, aby:<\/p>\n

uczciwy przedsi\u0119biorca mia\u0142 mo\u017cliwo\u015b\u0107 uporz\u0105dkowania sytuacji finansowej i powrotu do normalnego funkcjonowania.<\/p>\n

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W praktyce ju\u017c podczas spotkania oceniana jest realna mo\u017cliwo\u015b\u0107 odd\u0142u\u017cenia oraz dalszy kierunek dzia\u0142ania.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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Kontakt z syndykiem i s\u0105dem<\/h2>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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Wielu klient\u00f3w obawia si\u0119:<\/h4>\n <\/div>\n <\/div>\n
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  • syndyka <\/strong><\/li>\n
  • s\u0105du <\/strong><\/li>\n
  • odpowiedzialno\u015bci karnej lub gospodarczej <\/strong><\/li>\n <\/ul>\n

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    Dlatego kancelaria:<\/h4>\n <\/div>\n <\/div>\n
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    • przygotowuje klient\u00f3w do post\u0119powania <\/strong><\/li>\n
    • analizuje ryzyka <\/strong><\/li>\n
    • pomaga uporz\u0105dkowa\u0107 dokumentacj\u0119 <\/strong><\/li>\n
    • wspiera podczas kontakt\u00f3w z syndykiem i organami post\u0119powania <\/strong><\/li>\n <\/ul>\n

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      Klient nie zostaje sam z procedur\u0105 odd\u0142u\u017ceniow\u0105.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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      Jak wygl\u0105da wsp\u00f3\u0142praca<\/h2>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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      1.\n
      Rozmowa telefoniczna <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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      2.\n
      Spotkanie w kancelarii<\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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      \n \n \n

      3.\n
      Analiza dokumentacji firmy i zad\u0142u\u017cenia <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
      \n
      \n \n \n
      \n \n
      \n <\/path><\/svg><\/span><\/div>\n \n \n
      \n \n \n

      4.\n
      Ocena mo\u017cliwych rozwi\u0105za\u0144 <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
      \n \n \n
      \n \n
      \n \n
      \n \n
      \n
      \n \n \n
      \n \n
      \n <\/path><\/svg><\/span><\/div>\n \n \n
      \n \n \n

      5.\n
      Opracowanie strategii odd\u0142u\u017cenia <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
      \n
      \n \n \n
      \n \n
      \n <\/path><\/svg><\/span><\/div>\n \n \n
      \n \n \n

      6.\n
      Przygotowanie dokumentacji <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
      \n
      \n \n \n
      \n \n
      \n <\/path><\/svg><\/span><\/div>\n \n \n
      \n \n \n

      7.\n
      Z\u0142o\u017cenie odpowiednich wniosk\u00f3w <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
      \n
      \n \n \n
      \n \n
      \n <\/path><\/svg><\/span><\/div>\n \n \n
      \n \n \n

      8.\n
      Dalsze wsparcie podczas post\u0119powania <\/h4>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

      UK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE Masz d\u0142ugi, ale nie chcesz straci\u0107 domu, mieszkania lub firmy rodzinnej? Komornik, bank lub wierzyciele zaczynaj\u0105 podejmowa\u0107 dzia\u0142ania, jednak nadal posiadasz doch\u00f3d pozwalaj\u0105cy na cz\u0119\u015bciow\u0105 sp\u0142at\u0119 zobowi\u0105za\u0144? W wielu sytuacjach lepszym rozwi\u0105zaniem ni\u017c klasyczna upad\u0142o\u015b\u0107 konsumencka mo\u017ce by\u0107 uk\u0142ad konsumencki. Specjali\u015bci z Kancelarii Prawno-Finansowej Partnerzy w Gda\u0144sku pomagaj\u0105 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width-page.php","meta":[],"yoast_head":"\nUK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE - Upad\u0142o\u015b\u0107 Konsumencka<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/upadlosc-gdansk.pl\/index.php\/uklad-konsumencki-ochrona-majatku-i-oddluzenie\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE - Upad\u0142o\u015b\u0107 Konsumencka\" \/>\n<meta property=\"og:description\" content=\"UK\u0141AD KONSUMENCKI \u2013 OCHRONA MAJ\u0104TKU I ODD\u0141U\u017bENIE Masz d\u0142ugi, ale nie chcesz straci\u0107 domu, mieszkania lub firmy rodzinnej? Komornik, bank lub wierzyciele zaczynaj\u0105 podejmowa\u0107 dzia\u0142ania, jednak nadal posiadasz doch\u00f3d pozwalaj\u0105cy na cz\u0119\u015bciow\u0105 sp\u0142at\u0119 zobowi\u0105za\u0144? W wielu sytuacjach lepszym rozwi\u0105zaniem ni\u017c klasyczna upad\u0142o\u015b\u0107 konsumencka mo\u017ce by\u0107 uk\u0142ad konsumencki. 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