{"id":5537,"date":"2024-03-07T08:54:46","date_gmt":"2024-03-07T08:54:46","guid":{"rendered":"https:\/\/btla.eu\/articles\/btla\/consumer-bankruptcy-and-debt-guarantee\/"},"modified":"2024-05-09T08:23:45","modified_gmt":"2024-05-09T08:23:45","slug":"consumer-bankruptcy-and-debt-guarantee","status":"publish","type":"post","link":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/","title":{"rendered":"Consumer bankruptcy and debt guarantee"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/btla.eu\/wp-content\/uploads\/2023\/07\/Projekt-bez-nazwy-9.jpg&#8221; background_position=&#8221;top_center&#8221; background_vertical_offset=&#8221;100%&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||3px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Exo||||||||&#8221; title_text_align=&#8221;left&#8221; title_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; title_font_size=&#8221;32px&#8221; custom_margin=&#8221;24px|||||&#8221; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22title_text_color%22%93}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.23.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Exo|300|||||||&#8221; text_font_size=&#8221;16px&#8221; text_orientation=&#8221;justified&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"https:\/\/btla.eu\/prawo\/upadlosc-przedsiebiorstwa\/\">Guaranteeing a debt in a consumer&#8217;s bankruptcy<\/a> has significant consequences for the guarantor. When a <a href=\"https:\/\/btla.eu\/prawo\/upadlosc-przedsiebiorstwa\/\">debtor decides to declare bankruptcy<\/a> due to difficulties in repaying loans or credits, there is a risk that the third party providing the guarantee will also be involved in the debt <a href=\"https:\/\/btla.eu\/prawo\/upadlosc-przedsiebiorstwa\/\">collection process<\/a>.<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div class=\"sfsi_widget sfsi_shortcode_container\"><div class=\"norm_row sfsi_wDiv \"  style=\"width:225px;text-align:left;\"><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/www.linkedin.com\/company\/btla-official\/' id='sfsiid_linkedin_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='LinkedIn' title='LinkedIn' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_linkedin.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><div class=\"sfsi_tool_tip_2 linkedin_tool_bdr sfsiTlleft\" style=\"opacity:0;z-index:-1;\" id=\"sfsiid_linkedin\"><span class=\"bot_arow bot_linkedin_arow\"><\/span><div class=\"sfsi_inside\"><div  class='icon4'><a href='https:\/\/www.linkedin.com\/company\/btla-official\/' target='_blank' rel='noopener'><img data-pin-nopin='true' class='sfsi_wicon' alt='LinkedIn' title='LinkedIn' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/visit_icons\/Visit_us_linkedin\/icon_Visit_us_pl_PL.svg' \/><\/a><\/div><div  class='icon1'><script type=\"IN\/FollowCompany\" data-id=\"79071549\" ><\/script><\/div><div  class='icon2'><a target='_blank' rel='noopener' href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fbtla.eu%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F5537%2F\"><img decoding=\"async\" class=\"sfsi_wicon\" data-pin-nopin= true alt=\"Share\" title=\"Share\" src=\"https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/share_icons\/Linkedin_Share\/pl_PL_share.svg\" \/><\/a><\/div><\/div><\/div><\/div><\/div><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/www.facebook.com\/btla.advisory' id='sfsiid_facebook_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='Facebook' title='Facebook' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_facebook.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><div class=\"sfsi_tool_tip_2 fb_tool_bdr sfsiTlleft\" style=\"opacity:0;z-index:-1;\" id=\"sfsiid_facebook\"><span class=\"bot_arow bot_fb_arow\"><\/span><div class=\"sfsi_inside\"><div  class='icon1'><a href='https:\/\/www.facebook.com\/btla.advisory' target='_blank' rel='noopener'><img data-pin-nopin='true' class='sfsi_wicon' alt='Facebook' title='Facebook' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/visit_icons\/Visit_us_fb\/icon_Visit_us_pl_PL.png' \/><\/a><\/div><div  class='icon3'><a target='_blank' rel='noopener' href='https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fbtla.eu%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F5537%2F' style='display:inline-block;'  > <img class='sfsi_wicon'  data-pin-nopin='true' alt='fb-share-icon' title='Facebook Share' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/share_icons\/fb_icons\/pl_PL.svg' \/><\/a><\/div><\/div><\/div><\/div><\/div><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fbtla.eu%2Fen%2Farticles%2Fconsumer-bankruptcy-and-debt-guarantee%2F' id='sfsiid_whatsapp_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='WhatsApp' title='WhatsApp' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_whatsapp.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><\/div><\/div><\/div ><div id=\"sfsi_holder\" class=\"sfsi_holders\" style=\"position: relative; float: left;width:100%;z-index:-1;\"><\/div ><script>window.addEventListener(\"sfsi_functions_loaded\", function()\n\t\t\t{\n\t\t\t\tif (typeof sfsi_widget_set == \"function\") {\n\t\t\t\t\tsfsi_widget_set();\n\t\t\t\t}\n\t\t\t}); <\/script><div style=\"clear: both;\"><\/div><\/div>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title title=&#8221;off&#8221; meta=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Categories&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;-17px||-17px|||&#8221; custom_padding=&#8221;15px||27px|||&#8221; global_colors_info=&#8221;{%22gcid-01d52b91-888a-4360-8bf2-df06995b266a%22:%91%93}&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Exo|300|||||||&#8221; text_font_size=&#8221;16px&#8221; text_orientation=&#8221;justified&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Debt surety &#8211; bill of exchange or mortgage<\/h2>\n<p>In documents related to incurring an obligation (credit\/loan), you can sometimes find debt guarantee institutions, which means that there is another person or institution that has guaranteed the debt. Examples of such security may be a bill of exchange or a mortgage on real estate, which makes the guarantor liable for the obligation on an equal basis with the debtor. <\/p>\n<h2>Bankruptcy and the creditor&#8217;s demand for payment<\/h2>\n<p>If <a href=\"https:\/\/btla.eu\/prawo\/upadlosc-przedsiebiorstwa\/\">bankruptcy is declared<\/a>, the debtor&#8217;s obligations expire, which means that the creditor cannot demand repayment of outstanding amounts from the bankrupt. It is worth remembering that the regulations do not provide for the protection of the guarantor during bankruptcy proceedings, which may pose a serious threat to him.<\/p>\n<h2>How much is the guarantor responsible for?<\/h2>\n<p>In the light of applicable regulations, the principle of accessory security applies, which means that the scope of the guarantor&#8217;s liability depends on the scope of the debtor&#8217;s obligation. For example, if the debtor incurred a liability of PLN 50,000, the guarantor is liable up to the same amount. In the light of Art. 491 (15) section 5 of the Bankruptcy Law, establishing a repayment plan does not violate the creditor&#8217;s rights towards the guarantor and co-debtors. Even if a repayment plan has been agreed, the creditor can still pursue the security provided by the third party as if no changes had occurred.     <\/p>\n<h2>Enforcement of receivables from a guarantor<\/h2>\n<p>As for enforcement against the guarantor, despite the <a href=\"https:\/\/btla.eu\/prawo\/upadlosc-przedsiebiorstwa\/\">debtor&#8217;s bankruptcy<\/a>, the receivables covered by the repayment plan do not change. The guarantor is liable to the creditor in accordance with the original content of the obligation, which means that the creditor may continue legal and enforcement proceedings in the full amount of the debt.<\/p>\n<h2>Declaration of bankruptcy by the guarantor<\/h2>\n<p>If the guarantor finds himself in financial difficulty due to the debt collection process, he may also decide to declare bankruptcy. It is worth considering due diligence when granting a surety, because lack of diligence may result in the court extending the repayment plan period in the event of bankruptcy. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; global_module=&#8221;1875&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.21.0&#8243; _dynamic_attributes=&#8221;link_option_url&#8221; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;30px||||false|false&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; link_option_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE4MDEifX0=@&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover=&#8221;103%|103%&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/btla.eu\/wp-content\/uploads\/2023\/07\/uslugi-doradcze-dla-firm-i-biznesu-20.jpg&#8221; title_text=&#8221;consulting services for companies and business (20)&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;2px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.21.0&#8243; _dynamic_attributes=&#8221;link_option_url&#8221; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;30px||||false|false&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; link_option_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE4MDEifX0=@&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_4_font=&#8221;Exo|500|||||||&#8221; header_4_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; header_4_font_size=&#8221;16px&#8221; custom_margin=&#8221;|||-35px|false|false&#8221; custom_margin_tablet=&#8221;|||-35px|false|false&#8221; custom_margin_phone=&#8221;||10px|0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22header_4_text_color%22%93}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h4>Author:<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Exo||||||||&#8221; text_font_size=&#8221;12px&#8221; header_3_font=&#8221;Exo||||||||&#8221; header_3_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; header_3_font_size=&#8221;23px&#8221; header_4_font=&#8221;Exo||||||||&#8221; header_4_text_color=&#8221;gcid-58271bdb-1af7-4145-8bcc-67806f6894e4&#8243; header_4_font_size=&#8221;13px&#8221; header_5_font=&#8221;Exo||||||||&#8221; header_5_font_size=&#8221;15px&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;-28px|||-35px|false|false&#8221; custom_margin_tablet=&#8221;3px|||-35px||&#8221; custom_margin_phone=&#8221;-12px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;justified&#8221; text_orientation_phone=&#8221;justified&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22header_3_text_color%22%93,%22gcid-58271bdb-1af7-4145-8bcc-67806f6894e4%22:%91%22header_4_text_color%22%93}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover=&#8221;103%|103%&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3>Grzegorz Streckbein<\/h3>\n<h4>Restructuring advisor, attorney<\/h4>\n<p>Restructuring Advisor. Advocate. He completed his legal studies at the Faculty of Law and Administration of the University of Silesia in Katowice. In his daily practice, he deals primarily with issues related to the day-to-day service of business entities, with particular emphasis on corporate service. His interests also include reorganization and mergers and acquisitions (M&amp;A) matters. He advises management boards and supervisory boards of capital companies.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;Exo||||||||&#8221; header_3_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22header_3_text_color%22%93}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3>Contact a specialist<\/h3>\n<p>[\/et_pb_text][et_pb_contact_form captcha=&#8221;off&#8221; email=&#8221;kontakt@btla.eu&#8221; custom_message=&#8221;%%imie%%||et_pb_line_break_holder||%%email%%||et_pb_line_break_holder||%%telefon%%||et_pb_line_break_holder||%%wiadomosc%%||et_pb_line_break_holder||%%zgoda%%&#8221; success_message=&#8221;Thank you for your message, we will contact you soon.&#8221; submit_button_text=&#8221;SEND&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; _unique_id=&#8221;eb2dac8e-a334-4866-b678-6bb493d0f20e&#8221; form_field_background_color=&#8221;#FFFFFF&#8221; form_field_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; form_field_focus_background_color=&#8221;#FFFFFF&#8221; form_field_focus_text_color=&#8221;gcid-58271bdb-1af7-4145-8bcc-67806f6894e4&#8243; form_field_font=&#8221;Exo||||||||&#8221; form_field_font_size=&#8221;14px&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;gcid-58271bdb-1af7-4145-8bcc-67806f6894e4&#8243; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;0px&#8221; button_font=&#8221;Exo||||||||&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;10px|30px|10px|30px|false|false&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;rgba(36,51,69,0.17)&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22form_field_text_color%22%93,%22gcid-58271bdb-1af7-4145-8bcc-67806f6894e4%22:%91%22form_field_focus_text_color%22,%22button_bg_color%22%93}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_contact_field field_id=&#8221;imie&#8221; field_title=&#8221;Company name&#8221; fullwidth_field=&#8221;on&#8221; _builder_version=&#8221;4.21.0&#8243; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;email&#8221; field_title=&#8221;E-mail address&#8221; field_type=&#8221;email&#8221; _builder_version=&#8221;4.21.0&#8243; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;telefon&#8221; field_title=&#8221;Phone number&#8221; _builder_version=&#8221;4.23&#8243; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;wiadomosc&#8221; field_title=&#8221;Message&#8221; field_type=&#8221;text&#8221; fullwidth_field=&#8221;on&#8221; _builder_version=&#8221;4.21.0&#8243; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_contact_field][et_pb_contact_field field_id=&#8221;zgoda&#8221; field_title=&#8221; &#8221; field_type=&#8221;checkbox&#8221; checkbox_options=&#8221;%91{%22value%22:%22 I consent to the processing of my personal data by BTLA Tax Sp. z o. o. based in Katowice in order to respond to the message sent. %22,%22checked%22:0,%22dragID%22:-1}%93&#8243; fullwidth_field=&#8221;on&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; form_field_background_color=&#8221;gcid-58271bdb-1af7-4145-8bcc-67806f6894e4&#8243; form_field_text_color=&#8221;#000000&#8243; form_field_focus_background_color=&#8221;#FFFFFF&#8221; form_field_focus_text_color=&#8221;#000000&#8243; form_field_font_size=&#8221;12px&#8221; global_colors_info=&#8221;{%22gcid-58271bdb-1af7-4145-8bcc-67806f6894e4%22:%91%22form_field_background_color%22%93}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; include_categories=&#8221;current&#8221; excerpt_length=&#8221;130&#8243; show_author=&#8221;off&#8221; show_date=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Exo||||||||&#8221; header_text_color=&#8221;gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Exo|300|||||||&#8221; meta_font=&#8221;Exo||||||||&#8221; meta_text_color=&#8221;gcid-58271bdb-1af7-4145-8bcc-67806f6894e4&#8243; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;8px&#8221; global_colors_info=&#8221;{%22gcid-7ccd80ce-ffc6-4066-8c38-8b5568e9cd11%22:%91%22header_text_color%22%93,%22gcid-58271bdb-1af7-4145-8bcc-67806f6894e4%22:%91%22meta_text_color%22%93}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover=&#8221;101%|101%&#8221;][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guaranteeing a debt in a consumer&#8217;s bankruptcy has significant consequences for the guarantor. When a debtor decides to declare bankruptcy due to difficulties in repaying loans or credits, there is a risk that the third party providing the guarantee will also be involved in the debt collection process.<div class=\"sfsi_widget sfsi_shortcode_container\"><div class=\"norm_row sfsi_wDiv \"  style=\"width:225px;text-align:left;\"><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/www.linkedin.com\/company\/btla-official\/' id='sfsiid_linkedin_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='LinkedIn' title='LinkedIn' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_linkedin.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><div class=\"sfsi_tool_tip_2 linkedin_tool_bdr sfsiTlleft\" style=\"opacity:0;z-index:-1;\" id=\"sfsiid_linkedin\"><span class=\"bot_arow bot_linkedin_arow\"><\/span><div class=\"sfsi_inside\"><div  class='icon4'><a href='https:\/\/www.linkedin.com\/company\/btla-official\/' target='_blank' rel='noopener'><img data-pin-nopin='true' class='sfsi_wicon' alt='LinkedIn' title='LinkedIn' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/visit_icons\/Visit_us_linkedin\/icon_Visit_us_pl_PL.svg' \/><\/a><\/div><div  class='icon1'><script type=\"IN\/FollowCompany\" data-id=\"79071549\" ><\/script><\/div><div  class='icon2'><a target='_blank' rel='noopener' href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fbtla.eu%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F5537%2F\"><img decoding=\"async\" class=\"sfsi_wicon\" data-pin-nopin= true alt=\"Share\" title=\"Share\" src=\"https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/share_icons\/Linkedin_Share\/pl_PL_share.svg\" \/><\/a><\/div><\/div><\/div><\/div><\/div><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/www.facebook.com\/btla.advisory' id='sfsiid_facebook_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='Facebook' title='Facebook' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_facebook.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><div class=\"sfsi_tool_tip_2 fb_tool_bdr sfsiTlleft\" style=\"opacity:0;z-index:-1;\" id=\"sfsiid_facebook\"><span class=\"bot_arow bot_fb_arow\"><\/span><div class=\"sfsi_inside\"><div  class='icon1'><a href='https:\/\/www.facebook.com\/btla.advisory' target='_blank' rel='noopener'><img data-pin-nopin='true' class='sfsi_wicon' alt='Facebook' title='Facebook' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/visit_icons\/Visit_us_fb\/icon_Visit_us_pl_PL.png' \/><\/a><\/div><div  class='icon3'><a target='_blank' rel='noopener' href='https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fbtla.eu%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F5537%2F' style='display:inline-block;'  > <img class='sfsi_wicon'  data-pin-nopin='true' alt='fb-share-icon' title='Facebook Share' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/share_icons\/fb_icons\/pl_PL.svg' \/><\/a><\/div><\/div><\/div><\/div><\/div><div style='width:40px; height:40px;margin-left:5px;margin-bottom:5px; ' class='sfsi_wicons shuffeldiv ' ><div class='inerCnt'><a class=' sficn' data-effect='scale' target='_blank' rel='noopener'  href='https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fbtla.eu%2Fen%2Farticles%2Fconsumer-bankruptcy-and-debt-guarantee%2F' id='sfsiid_whatsapp_icon' style='width:40px;height:40px;opacity:1;background:#b8a076;'  ><img data-pin-nopin='true' alt='WhatsApp' title='WhatsApp' src='https:\/\/btla.eu\/wp-content\/plugins\/ultimate-social-media-icons\/images\/icons_theme\/flat\/flat_whatsapp.png' width='40' height='40' style='' class='sfcm sfsi_wicon ' data-effect='scale'   \/><\/a><\/div><\/div><\/div ><div id=\"sfsi_holder\" class=\"sfsi_holders\" style=\"position: relative; float: left;width:100%;z-index:-1;\"><\/div ><script>window.addEventListener(\"sfsi_functions_loaded\", function()\n\t\t\t{\n\t\t\t\tif (typeof sfsi_widget_set == \"function\") {\n\t\t\t\t\tsfsi_widget_set();\n\t\t\t\t}\n\t\t\t}); <\/script><div style=\"clear: both;\"><\/div><\/div>Debt surety &#8211; bill of exchange or mortgage [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5176,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-5537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-law"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consumer bankruptcy and debt guarantee - BTLA<\/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:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer bankruptcy and debt guarantee - BTLA\" \/>\n<meta property=\"og:description\" content=\"Guaranteeing a debt in a consumer&#039;s bankruptcy has significant consequences for the guarantor. When a debtor decides to declare bankruptcy due to difficulties in repaying loans or credits, there is a risk that the third party providing the guarantee will also be involved in the debt collection process.Debt surety - bill of exchange or mortgage [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/\" \/>\n<meta property=\"og:site_name\" content=\"BTLA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/btla.advisory\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-07T08:54:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-09T08:23:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"lukasz.oles@btla.eu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"lukasz.oles@btla.eu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/\"},\"author\":{\"name\":\"lukasz.oles@btla.eu\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#\\\/schema\\\/person\\\/7a07512baf795a08c2c9261996b88ce8\"},\"headline\":\"Consumer bankruptcy and debt guarantee\",\"datePublished\":\"2024-03-07T08:54:46+00:00\",\"dateModified\":\"2024-05-09T08:23:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/\"},\"wordCount\":2586,\"publisher\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg\",\"articleSection\":[\"Articles\",\"Law\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/\",\"url\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/\",\"name\":\"Consumer bankruptcy and debt guarantee - BTLA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg\",\"datePublished\":\"2024-03-07T08:54:46+00:00\",\"dateModified\":\"2024-05-09T08:23:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#primaryimage\",\"url\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg\",\"contentUrl\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg\",\"width\":1080,\"height\":1080,\"caption\":\"Upad\u0142o\u015b\u0107 konsumencka a por\u0119czenie d\u0142ugu\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/articles\\\/consumer-bankruptcy-and-debt-guarantee\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/btla.eu\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Consumer bankruptcy and debt guarantee\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/btla.eu\\\/en\\\/\",\"name\":\"BTLA - kancelaria prawna i podatkowa\",\"description\":\"Doradztwo podatkowe i prawne\",\"publisher\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#organization\"},\"alternateName\":\"Kancelaria prawna i doradztwa podatkowego\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/btla.eu\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#organization\",\"name\":\"BTLA - kancelaria prawna i podatkowa\",\"alternateName\":\"Doradztwo podatkowe - us\u0142ugi prawne - ksi\u0119gowo\u015b\u0107 - ubezpieczenia\",\"url\":\"https:\\\/\\\/btla.eu\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/color1_btla.png\",\"contentUrl\":\"https:\\\/\\\/btla.eu\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/color1_btla.png\",\"width\":1833,\"height\":864,\"caption\":\"BTLA - kancelaria prawna i podatkowa\"},\"image\":{\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/btla.advisory\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/btla.eu\\\/en\\\/#\\\/schema\\\/person\\\/7a07512baf795a08c2c9261996b88ce8\",\"name\":\"lukasz.oles@btla.eu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g\",\"caption\":\"lukasz.oles@btla.eu\"},\"url\":\"https:\\\/\\\/btla.eu\\\/en\\\/author\\\/lukasz-olesbtla-eu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Consumer bankruptcy and debt guarantee - BTLA","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/","og_locale":"en_US","og_type":"article","og_title":"Consumer bankruptcy and debt guarantee - BTLA","og_description":"Guaranteeing a debt in a consumer's bankruptcy has significant consequences for the guarantor. When a debtor decides to declare bankruptcy due to difficulties in repaying loans or credits, there is a risk that the third party providing the guarantee will also be involved in the debt collection process.Debt surety - bill of exchange or mortgage [&hellip;]","og_url":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/","og_site_name":"BTLA","article_publisher":"https:\/\/www.facebook.com\/btla.advisory","article_published_time":"2024-03-07T08:54:46+00:00","article_modified_time":"2024-05-09T08:23:45+00:00","og_image":[{"width":1080,"height":1080,"url":"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg","type":"image\/jpeg"}],"author":"lukasz.oles@btla.eu","twitter_card":"summary_large_image","twitter_misc":{"Written by":"lukasz.oles@btla.eu","Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#article","isPartOf":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/"},"author":{"name":"lukasz.oles@btla.eu","@id":"https:\/\/btla.eu\/en\/#\/schema\/person\/7a07512baf795a08c2c9261996b88ce8"},"headline":"Consumer bankruptcy and debt guarantee","datePublished":"2024-03-07T08:54:46+00:00","dateModified":"2024-05-09T08:23:45+00:00","mainEntityOfPage":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/"},"wordCount":2586,"publisher":{"@id":"https:\/\/btla.eu\/en\/#organization"},"image":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#primaryimage"},"thumbnailUrl":"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg","articleSection":["Articles","Law"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/","url":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/","name":"Consumer bankruptcy and debt guarantee - BTLA","isPartOf":{"@id":"https:\/\/btla.eu\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#primaryimage"},"image":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#primaryimage"},"thumbnailUrl":"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg","datePublished":"2024-03-07T08:54:46+00:00","dateModified":"2024-05-09T08:23:45+00:00","breadcrumb":{"@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#primaryimage","url":"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg","contentUrl":"https:\/\/btla.eu\/wp-content\/uploads\/2024\/03\/Upadlosc-konsumencka-a-poreczenie-dlugu.jpg","width":1080,"height":1080,"caption":"Upad\u0142o\u015b\u0107 konsumencka a por\u0119czenie d\u0142ugu"},{"@type":"BreadcrumbList","@id":"https:\/\/btla.eu\/en\/articles\/consumer-bankruptcy-and-debt-guarantee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/btla.eu\/en\/"},{"@type":"ListItem","position":2,"name":"Consumer bankruptcy and debt guarantee"}]},{"@type":"WebSite","@id":"https:\/\/btla.eu\/en\/#website","url":"https:\/\/btla.eu\/en\/","name":"BTLA - kancelaria prawna i podatkowa","description":"Doradztwo podatkowe i prawne","publisher":{"@id":"https:\/\/btla.eu\/en\/#organization"},"alternateName":"Kancelaria prawna i doradztwa podatkowego","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/btla.eu\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/btla.eu\/en\/#organization","name":"BTLA - kancelaria prawna i podatkowa","alternateName":"Doradztwo podatkowe - us\u0142ugi prawne - ksi\u0119gowo\u015b\u0107 - ubezpieczenia","url":"https:\/\/btla.eu\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/btla.eu\/en\/#\/schema\/logo\/image\/","url":"https:\/\/btla.eu\/wp-content\/uploads\/2023\/06\/color1_btla.png","contentUrl":"https:\/\/btla.eu\/wp-content\/uploads\/2023\/06\/color1_btla.png","width":1833,"height":864,"caption":"BTLA - kancelaria prawna i podatkowa"},"image":{"@id":"https:\/\/btla.eu\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/btla.advisory"]},{"@type":"Person","@id":"https:\/\/btla.eu\/en\/#\/schema\/person\/7a07512baf795a08c2c9261996b88ce8","name":"lukasz.oles@btla.eu","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ba9757c764cbe6a6e08fba9a5e71cfb9f1deac1d9740045a72d45242ebd7a02c?s=96&d=mm&r=g","caption":"lukasz.oles@btla.eu"},"url":"https:\/\/btla.eu\/en\/author\/lukasz-olesbtla-eu\/"}]}},"_links":{"self":[{"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/posts\/5537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/comments?post=5537"}],"version-history":[{"count":5,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/posts\/5537\/revisions"}],"predecessor-version":[{"id":5542,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/posts\/5537\/revisions\/5542"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/media\/5176"}],"wp:attachment":[{"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/media?parent=5537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/categories?post=5537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/btla.eu\/en\/wp-json\/wp\/v2\/tags?post=5537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}