Upadłość konsumencka 2025 – co musisz wiedzieć?

Upadłość konsumencka 2025 – Kto może ogłosić? Jakie są koszty i procedura?


Upadłość konsumencka 2025 – Kto może ogłosić? Jakie są koszty i procedura?


Dowiedz się, czym jest upadłość konsumencka, kto może ją ogłosić, ile trwa postępowanie i jak wygląda procedura oddłużenia w 2025 roku. Sprawdź praktyczny poradnik krok po kroku.

Czym jest upadłość konsumencka?

Upadłość konsumencka to legalna procedura sądowa, której celem jest umorzenie długów osoby fizycznej, która stała się niewypłacalna. Najprościej mówiąc, jeśli nie jesteś w stanie spłacać swoich zobowiązań – możesz złożyć wniosek o upadłość i zacząć życie od nowa bez długów.

Kto może ogłosić upadłość konsumencką w Polsce w 2025 roku?

Upadłość konsumencką może ogłosić każda osoba fizyczna, która:

  • nie prowadzi działalności gospodarczej (lub już ją zakończyła),
  • jest niewypłacalna, czyli nie jest w stanie spłacać zobowiązań przez co najmniej 3 miesiące.

Nie ma znaczenia, z jakiego powodu powstały długi – nawet jeśli były wynikiem lekkomyślności czy błędnych decyzji finansowych.

Jak ogłosić upadłość konsumencką krok po kroku?

1. Zbierz dokumenty

Przygotuj wszystkie dane finansowe: umowy kredytowe, wezwania do zapłaty, nakazy sądowe, umowy o pracę i inne dochody.

2. Złóż wniosek do sądu

Wniosek składa się przez portal KRZ (Krajowy Rejestr Zadłużonych) lub osobiście w sądzie. Opłata wynosi 30 zł.

3. Czekaj na decyzję

Sąd bada sytuację majątkową i podejmuje decyzję o ogłoszeniu upadłości. Może to potrwać od kilku tygodni do kilku miesięcy.

4. Postępowanie upadłościowe

Sąd może wyznaczyć syndyka, który sprzeda Twój majątek (jeśli taki posiadasz), a reszta długów może zostać umorzona lub rozłożona na plan spłaty.

Ile trwa postępowanie i jakie są jego koszty?

  • Czas trwania: od kilku miesięcy do 3 lat, w zależności od skomplikowania sprawy i planu spłaty.
  • Koszty: Opłata sądowa to 30 zł. Dodatkowo, jeśli zostanie powołany syndyk, mogą pojawić się dodatkowe koszty (pokrywane zwykle z majątku dłużnika).

Czy upadłość konsumencka jest dla Ciebie?

Upadłość konsumencka jest dobrym rozwiązaniem, jeśli:

  • masz wiele długów i nie jesteś w stanie ich spłacać,
  • grozi Ci egzekucja komornicza,
  • chcesz rozpocząć życie finansowe od nowa,
  • nie prowadzisz już działalności gospodarczej.

Podsumowanie – czy warto ogłosić upadłość konsumencką?

Jeśli Twoja sytuacja finansowa jest beznadziejna, upadłość konsumencka może być jedyną szansą na wyjście z długów. To procedura legalna, skuteczna i coraz bardziej popularna w Polsce. Pamiętaj jednak, by każdą decyzję konsultować z profesjonalistą – prawnikiem lub doradcą restrukturyzacyjnym.

Chcesz indywidualnej konsultacji w sprawie upadłości konsumenckiej? Skontaktuj się z nami – pomożemy przejść przez cały proces krok po kroku.

Kontakt:
+48 728 989 211
anna@arslanlawfirm.com
www.instagram.com/adwokat_anna_arslan
https://arslanlawfirm.com/

Trzy osoby przy stole z dokumentami dotyczącymi upadłości konsumenckiej, z napisem 'Consumer Bankruptcy' na pierwszym planie – ilustracja konsultacji prawnej.
en_GBEnglish (UK)
pl_PLPolski zh_CN简体中文 tr_TRTürkçe arالعربية es_ESEspañol en_GBEnglish (UK)
Close

AKRAM ABDULAZIZ

MENA Region Legal Dept.   info@arslanlawfirm.com   tel. +48694838078   tel. +48728989211
Akram is a business development manager at Arslan Law Firm. He has over 30 years of experience gained in positions in Greater Poland UK and Dubai, Qatar and Poland. He held a managerial position for over ten years before joining Arslan Law Firm in a law firm based in the United Arab Emirates, thanks to which he has extensive knowledge and experience in these legal and market issues.

He has a strong understanding of market principles and routinely pursues new business opportunities. Akram is strategic and uses a lot initiatives in determining ways to promote the company's services, especially in the field of asset management and real estate portfolio.

Akram is in constant contact with potential clients and partners, follows investigations and discovers new opportunities for the company within the legal framework.

He is fluent in Arabic and English.
Close

BESSIE BIAN

tel. +48 792398920   info@arslanlawfirm.com   Wechat: ArslanLawFirm
Bessie Bian has a master's degree in economics. She graduated from the Polish Language School for Foreigners at the University of Łódź and studies Master's degree at the Faculty of Economics and Sociology of the University of Łódź, as well as postgraduate studies in translation in the field of Polish-Chinese languages ​​at the Center for Migration Studies of the University of Łódź.

She has experience in Polish-Chinese translation in court proceedings. She served as a full-time translator in a highway construction project implemented by a Chinese consortium. As part of her professional duties, she participated in many events negotiations and court disputes. At the Recruitment Office of the Warsaw School of Economics, she was responsible for recruitment students, and then served as an adviser on relations with China.

As vice-chairwoman of the Warsaw Branch of the Polish-Chinese Friendship Society, she is actively involved in exchange between Poland and China and maintains good relations with local governments at all levels.
Close

SEMIH ARSLAN

tel. +48 729 689 454   semih@arslanlawfirm.com
Close

GABRIELA MARCINIAK

info@arslanlawfirm.com
Close

WIKTORIA PANEK

w.panek@arslanlawfirm.com
A graduate of full-time legal studies at the Faculty of Law and Administration of the Jagiellonian University in Krakow. She defended her job Master's degree at the Department of Criminal Procedure and Punishment and Judicial Punishment. In a treatise of academic studies to the Society's Circle Law Students' Library, with which she organized many substantive meetings, including a national scientific conference.

She deepens his knowledge by participating in numerous courses and workshops devoted to extensive topics in various fields rights, including commercial law, alternative dispute resolution methods, or legislation, and by participating in scientific conferences organized under the patronage of the Jagiellonian University. She is in the process of gaining experience in comprehensive legal services to in the future, join the "greens" and become a lawyer.

A lover of aesthetics, photography and travel. Her interests include psychology, mediation and design. She speaks the language English
Close

ANNA BUCHARZEWSKA

a.bucharzewska@arslanlawfirm.com
A graduate of the Faculty of Law at the University of Warsaw, where she defended her master's thesis in the Department of Forensics, addressing issues related to the forensic aspects of drug-related crimes. In 2018, she passed the professional examination with a positive result and obtained the title of attorney. Her professional experience is tied to substantive and procedural criminal law, including economic criminal law, but she also provides legal assistance in the field of civil law, including family law.

Privately, she is a great animal enthusiast, especially of horses, with which she has been connected since childhood. She cannot imagine her life without horseback riding. She is proficient in English.
Close

Katarzyna Kolasa

Biuro w Krakowie  k.kolasa@arslanlawfirm.com
Attorney Katarzyna Kolasa has been a member of the District Chamber of Legal Advisors in Kraków since 2019. She is a graduate of the Faculty of Law and Administration at Jagiellonian University, where she studied law. She is also a restructuring advisor.

She gained her experience in law firms in Krakow. She specializes in civil law, commercial law, bankruptcy and restructuring law, as well as unconventional debt recovery. She has extensive litigation experience.

She collaborates with Arslan Law Firm to provide the most effective legal services to clients in the Krakow office. She is proficient in English.
Close

Agata Fitas

info@arslanlawfirm.com
Since 2007, she has been involved in public procurement and public-private partnerships. From 2008 to 2011, she participated in legislative work related to public procurement and coordinated the actions of the Ministry of Regional Development concerning legislative issues related to the functioning of public-private partnerships in Poland and the European Union.

She has successfully conducted hundreds of public procurement proceedings. She is the co-author of the handbook "Public-Private Partnership in the Concession Model: Selected Practical Issues," published by Wolters Kluwer, and the author of publications on public procurement and funds from the European Union.
Close

Anna Arslan

anna@arslanlawfirm.com   tel. +48 728 989 211
Attorney Anna Arslan is a member of the Bar Association in Warsaw. She is a graduate of the full-time studies at the Faculty of Law and Administration at the University of Warsaw, where she defended her master's thesis on "Legal Aspects of Conducting Business Activity by Foreigners in Poland" under the supervision of Dr. Dariusz Szafrański. She also completed the School of European and English Law organized by Cambridge University at the University of Warsaw. In 2017, she graduated from the School of Corporate Law at the Warsaw School of Economics.

Before founding Arslan Law Firm, she gained experience in law firms primarily serving Polish and foreign entrepreneurs in the construction, financial, and transportation sectors. She specializes in comprehensive services for entrepreneurs—from establishment, through all aspects of legal support for business activities, including litigation and transformations, to liquidation and bankruptcy. She also provides legal assistance to individual clients in civil, family, and inheritance matters.

Before founding Arslan Law Firm, she spent five years collaborating with Ptak Warsaw Expo, one of the largest exhibition centers in this part of Europe, where she served as Executive Director from 2019, and later as General Director. There, she gained unique knowledge and experience in the Polish and international trade fair and event industry, which she now applies in her legal work. She understands that a lawyer must be effective and strive to achieve the business goals of their clients, providing solutions rather than focusing on limitations. Anna Arslan specializes in negotiating difficult contracts with both Polish and foreign contractors and resolving problematic situations. She is proficient in English and Turkish, and has an intermediate level of Spanish. Her passion is traveling, especially to the Middle East and Asia.