PMR teamA consumer bankruptcy petition can be filed as early as the day after the deregistration of the business. However, the court may dismiss it if, within a period of ten years prior to the date of its filing, the debtor has not filed a bankruptcy petition for the business he manages, although he was obliged to do so.
It is not easy to fulfil, especially for companies that ceased operations before the amendments to the insolvency law in force since the beginning of 2016.
Mało która osoba indywidualna, będąca cześniej przesiębiorcą, spełnia warunek złożenia wniosku o upadłość we właściwym momencie od chwili pojawienia się kłopotów z płatnościami. Gdyby to zrobiła, prawdopodobnie potrzebowałaby oddłużenia. Jednak – po pierwsze – firma mogła być zbyt biedna, żeby upaść, czyli jej majątek nie wystarczał na pokrycie postepowania sądowego.
W takiej sytuacji ma jeszcze szanse na bankructwo w procesie upadłości konsumenckiej. Po drugie – nawet pomimo niespełnienia obowiązku o złożenie wniosku o upadłość sąd nie musi oddalać podania o bankructwo konsumenckie.
In such a situation, they are jointly and severally liable for the company's debts, and the courts seem to assume that when they are unable to pay on their own those debts for which they have guaranteed, this means that they have caused their bankruptcy intentionally or through gross negligence. A former board member in such a situation will have to prove that, as at the date of the suretyship, his personal assets alone were sufficient to pay all the debts guaranteed, which with large sums is rarely possible
- points out Malgorzata Anisimowicz.
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