{"id":44,"date":"2021-03-01T14:03:19","date_gmt":"2021-03-01T13:03:19","guid":{"rendered":"https:\/\/old.oddluzanieuk.com\/?page_id=44"},"modified":"2022-10-13T10:11:17","modified_gmt":"2022-10-13T09:11:17","slug":"iva-anglia-walia-irlandia-pln","status":"publish","type":"page","link":"https:\/\/old.oddluzanieuk.com\/index.php\/iva-anglia-walia-irlandia-pln\/","title":{"rendered":"IVA &#8211; Anglia, Walia, Irlandia P\u0142n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"44\" class=\"elementor elementor-44\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-352f8fc9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"352f8fc9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15975b6b\" data-id=\"15975b6b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-33876b12 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33876b12\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4e3913e0\" data-id=\"4e3913e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-540d254e elementor-widget elementor-widget-image\" data-id=\"540d254e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/oddluzanieuk.com\/pl\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"175\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg\" class=\"attachment-medium_large size-medium_large\" alt=\"\" srcset=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg 768w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-300x69.jpg 300w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk.jpg 814w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-69137abd\" data-id=\"69137abd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-658ba9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"658ba9a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0f05a9c\" data-id=\"0f05a9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-781f282 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"781f282\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cbd9ede\" data-id=\"cbd9ede\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a001ebe elementor-widget elementor-widget-text-editor\" data-id=\"a001ebe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Individual Voluntary Arrangement<\/strong><\/h2>\n<p>IVA (dobrowolny uk\u0142ad indywidualny) jest to prawnie obowi\u0105zuj\u0105ca umowa regulowane ustaw\u0105&nbsp;<b><a title=\"IVA\" href=\"https:\/\/www.legislation.gov.uk\/ukdsi\/2008\/9780110845845\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.legislation.gov.uk\/ukdsi\/2008\/9780110845845&amp;source=gmail&amp;ust=1617180233153000&amp;usg=AFQjCNGSTpnUo2aZQmYjOQEt6gWgc0jubw\"><span style=\"color: #0b5394;\">Insolvency Act 1986<\/span><\/a><\/b>&nbsp;pomi\u0119dzy wierzycielami i d\u0142u\u017cnikiem kontrolowana przez tzw. Licensed Insolvency Practitioner* kt\u00f3ra doprowadza do pozbycia si\u0119 d\u0142ug\u00f3w osoby fizycznej w Anglii, Walii, Irlandii P\u0142n. Jest to du\u017co l\u017cejsza alternatywa dla Brytyjskiego bankructwa i <a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/dmp-anglia-walia-irlandia-pln\/\">DMP<\/a>&nbsp;<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a5d64 elementor-widget elementor-widget-text-editor\" data-id=\"61a5d64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*Licensed Insolvency Practitioner &#8211; Specjalista ds. Niewyp\u0142acalno\u015bci (IP). Jest to osoba kt\u00f3ra posiada licencj\u0119 i jest upowa\u017cniona do dzia\u0142ania w stosunku do niewyp\u0142acalnej osoby fizycznej, partnership i company. Wi\u0119kszo\u015b\u0107 IP to ksi\u0119gowi lub specjali\u015bci od niewyp\u0142acalno\u015bci pracuj\u0105cy w firmach ksi\u0119gowych. IP musi posiada\u0107 licencj\u0119, zaliczony egzamin upad\u0142o\u015bciowy (JIEB). Niezb\u0119dne jest r\u00f3wnie\u017c do\u015bwiadczenie zawodowe w upad\u0142o\u015bci. IP musz\u0105 przestrzega\u0107 prawa, a ich praca jest monitorowana przez organy regulacyjne.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c30089f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c30089f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee1afb1\" data-id=\"ee1afb1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f15ff6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f15ff6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e25b072\" data-id=\"e25b072\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d0b03a elementor-widget elementor-widget-text-editor\" data-id=\"9d0b03a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>ZALETY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34be060 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"34be060\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po okresie 5 lat jeste\u015b wolny od d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jedyna rata miesi\u0119czna w ramach wszystkich Twoich d\u0142ug\u00f3w okre\u015blana jest na podstawie Twoich mo\u017cliwo\u015bci finansowych, a nie na podstawie wysoko\u015bci d\u0142ug\u00f3w - od pocz\u0105tku ustanowienia programu masz zagwarantowane to, aby w portfelu zostawa\u0142y Tobie pieni\u0105dze na godne utrzymanie Ciebie, rodziny i Twojego gospodarstwa domowego<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">z nami nie ponosisz \u017cadnych dodatkowych koszt\u00f3w - jedynym Twoim zobowiazaniem finansowym wobec zawarcia programu IVA jest ustanowiona jedna comiesieczna minimalna rata<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po up\u0142ywie 5 lat reszta twoich zad\u0142u\u017ce\u0144 w efekcie zostaje bezzwrotnie umorzona; czasem stanowi to nawet 75% od ca\u0142o\u015bci d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Twoje odsetki zostaj\u0105 zamro\u017cone - a wierzyciele maj\u0105 prawny zakaz kontaktowania si\u0119 z Tob\u0105<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">tak wi\u0119c, jeste\u015b ca\u0142kowicie chroniony przed swoimi wierzycielami; w praktyce wyglada to tak, \u017ce w og\u00f3le si\u0119 z Toba nie kontaktuj\u0105 i nie naliczaj\u0105 \u017cadnych dodatkowych op\u0142at, a odsetki s\u0105 zamro\u017cone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">unikasz bankructwa, komornik\u00f3w i firm windykacyjnych<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">unikasz r\u00f3wnie\u017c nieprzyjemno\u015bci, ponagle\u0144 i faktu, \u017ce Twoje pieni\u0105dze zamiast na \u017cycie - id\u0105 na odsetki i koszty obs\u0142ugi d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tw\u00f3j Credit Score nawet jak nie jest dobry, nie ma wp\u0142ywu na to, czy nale\u017cy si\u0119 Tobie pomoc z naszej strony<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">wszelkie dzia\u0142ania komornicze i windykacyjne w przeciwko Tobie zostaj\u0105 wstrzymane<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Twoje odsetki bankowe zostaj\u0105 zamro\u017cone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">we wsp\u00f3\u0142pracy z nami proces komunikacyjny odbywa si\u0119 w j\u0119zyku polskim<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi jeste\u015b w\u0142a\u015bcicielem domu lub samochodu - zachowujesz je; pozostaj\u0105 nadal w Twojej w\u0142asno\u015bci<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">w skutek dzia\u0142ania ca\u0142ego procesu odzyskujesz zdolno\u015b\u0107 kredytow\u0105 - Credit Score<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nie musisz zaci\u0105ga\u0107 kolejnych po\u017cyczek na sp\u0142acenie Swoich starych zobowi\u0105za\u0144 finansowych i tym samym nie pogr\u0105\u017casz si\u0119 dalej finansowo.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">zyskujesz kontrol\u0119 nad Swoimi finansami, co jest g\u0142\u00f3wnym celem walki z d\u0142ugami<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nie musisz og\u0142asza\u0107 kosztownego bankructwa i nara\u017ca\u0107 sie na licytacj\u0119 Twojego majatku<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02122ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02122ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e543f0\" data-id=\"1e543f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0b8fc22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b8fc22\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-94e458f\" data-id=\"94e458f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ecb218e elementor-widget elementor-widget-image\" data-id=\"ecb218e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"121\" height=\"142\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/pomysl.jpg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-abae981\" data-id=\"abae981\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a4f283 elementor-widget elementor-widget-text-editor\" data-id=\"6a4f283\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Podsumowuj\u0105c:<\/strong><\/p><p><strong>Przestajesz by\u0107 niewolnikiem wielu rat (r\u00f3\u017cne terminy, r\u00f3\u017cne kwoty). Wszystkie twoje d\u0142ugi zawarte s\u0105 w jednej ma\u0142ej racie, kt\u00f3ra jest tak wyliczna, aby by\u0142o Ci\u0119 sta\u0107 na utrzymanie siebie i rodziny. Do tego posiadasz komfort, jakim jest brak kontaktu i nacisk\u00f3w ze strony Twoich wierzycieli, czyli instytucji, kt\u00f3rym jeste\u015b winien pieni\u0105dze.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7a90ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7a90ec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-63daabe6\" data-id=\"63daabe6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5aa14596 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5aa14596\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-46bcbd00\" data-id=\"46bcbd00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20d9b520 elementor-widget elementor-widget-text-editor\" data-id=\"20d9b520\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>WADY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34840416 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"34840416\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">program realizowany jest dopiero od \u0142\u0105cznej kwoty zad\u0142u\u017cenia \u00a35000<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">cho\u0107 przyznawalno\u015b\u0107 programu jest bardzo du\u017ca, niestety czasem okazuje si\u0119, \u017ce nie mo\u017cemy pom\u00f3c; bywaj\u0105 sytuacje, w kt\u00f3rych nale\u017cy odczeka\u0107 i ponownie spr\u00f3bowa\u0107 przyst\u0105pi\u0107 do programu (90-93% przyznawalno\u015bci)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jednoczesne aplikowanie o IVA do wi\u0119cej ni\u017c jednej firmy mo\u017ce utrudni\u0107 osi\u0105gni\u0119cie celu<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">w czasie trwania programu nie wolno zaci\u0105ga\u0107 nowych zobowi\u0105za\u0144 finansowych; s\u0142u\u017cy to temu, aby nie utraci\u0107 w mi\u0119dzyczasie w\u0142asnej kontroli finansowej, a  dotyczy to: kart kredytowych, po\u017cyczek kr\u00f3tkoterminowych, \u015brednioterminowych i d\u0142ugoterminowych oraz kredytu na rachunku bie\u017c\u0105cym, tzw. overdrafts; program IVA nie wp\u0142ywa negatywnie na wynajem mieszkania ani jego zmian\u0119, nie wp\u0142ywa r\u00f3wnie\u017c negatywnie na ewentualne przed\u0142u\u017cenie wsp\u00f3\u0142pracy z naszym dostawc\u0105 sieci kom\u00f3rkowej<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">po wszystkim b\u0119dziesz na nowo zdobywa\u0142 wiarygodno\u015b\u0107 kredytow\u0105<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi zaprzestaniesz p\u0142aci\u0107 ustalon\u0105 przez dostawc\u0119 IVA minimaln\u0105 rat\u0119, tym samym zrywasz umow\u0119 a Twoje d\u0142ugi wracaj\u0105 do pierwotnej postaci wraz z odsetkami; wierzyciele mog\u0105 za\u017c\u0105da\u0107 Twojego bankructwa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">zabezpieczonych po\u017cyczek i kredyt\u00f3w (np: pod zastaw samochodu) nie mo\u017cna w\u0142\u0105czy\u0107 do programu, ich raty nadal pozostaj\u0105 pod Twoj\u0105 opiek\u0105; natomiast s\u0105 to raty brane pod uwag\u0119 i wp\u0142ywaj\u0105 na pomniejszenie raty ustanowionej przez dostawc\u0119 IVA w ramach pozosta\u0142ych d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">kary s\u0105dowe, alimenty i mandaty r\u00f3wnie\u017c nie s\u0105 brane pod uwag\u0119<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">na Twoim rachunku bankowym nie mog\u0105 wyst\u0119powa\u0107 wydatki za gry losowe (hazard)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">posiadacze overdrafts, zawieraj\u0105c umow\u0119 IVA proszeni s\u0105 o otworzenie nowego konta osobistego, gdy\u017c konto obci\u0105\u017cone kredytem w rachunku bie\u017c\u0105cym zostaje zamnkni\u0119te (zachowuj\u0105c bie\u017c\u0105ce dochody). <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-17936da9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"17936da9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66139d99\" data-id=\"66139d99\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-14b4e77b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14b4e77b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-329f99ac\" data-id=\"329f99ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-606f5c75 elementor-widget elementor-widget-image\" data-id=\"606f5c75\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"121\" height=\"142\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/pomysl.jpg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4a34921d\" data-id=\"4a34921d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ed37c89 elementor-widget elementor-widget-text-editor\" data-id=\"3ed37c89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Bior\u0105c pod uwag\u0119, \u017ce ka\u017cda sytuacja jest sytuacj\u0105 indywidualn\u0105, a powy\u017csze dane nie stanowi\u0105 zasad prawnych, to naszym celem jest wyja\u015bni\u0107 Tobie, \u017ce skutki te w logiczny spos\u00f3b wynikaj\u0105 z praktycznego zastosowania program\u00f3w odd\u0142u\u017ceniowych.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f05527e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f05527e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-159c128\" data-id=\"159c128\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-37f134f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37f134f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1035b88e\" data-id=\"1035b88e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2591ef5b elementor-widget elementor-widget-text-editor\" data-id=\"2591ef5b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Chcesz pozby\u0107 si\u0119 d\u0142ug\u00f3w? Rozpocznij proces oddlu\u017cania ju\u017c teraz wype\u0142niaj\u0105c aplikacj\u0119 zg\u0142oszeniow\u0105.\u00a0 <\/strong><\/p><p><strong>Je\u015bli masz pytania, b\u0105d\u017a w\u0105tpliwo\u015bci &#8211; zadzwo\u0144 do nas pod nr \u00a0<span style=\"text-decoration: underline;\"><a href=\"tel:07591203639\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #000000; text-decoration: underline;\">07 591 203 639<\/span><\/a><\/span><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-411ed8f7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"411ed8f7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/aplikuj\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">WYPE\u0141NIJ APLIKACJ\u0118<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d9620a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d9620a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15533c3\" data-id=\"15533c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-752784b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"752784b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a5a0958\" data-id=\"a5a0958\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d705936 elementor-widget elementor-widget-text-editor\" data-id=\"d705936\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>W przeciwie\u0144stwie do bankructwa, Tw\u00f3j IVA nie jest publikowany w prasie, a ponadto w przeciwie\u0144stwie do bankructwa &#8211; kod PAYE pozostaje niezmieniony podczas IVA, co minimalizuje prawdopodobie\u0144stwo, \u017ce Twoi pracodawcy s\u0105 \u015bwiadomi Twojej sytuacji finansowej.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-053e082 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"053e082\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b47cc0c\" data-id=\"b47cc0c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3908df1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3908df1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-33ae657\" data-id=\"33ae657\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1de29e1 elementor-widget elementor-widget-text-editor\" data-id=\"1de29e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Warunki wst\u0119pne IVA:<\/strong><\/h2><p><strong>Totalny d\u0142ug nie mo\u017ce by\u0107 mniejszy ni\u017c:<\/strong><\/p><p>Na 1 osob\u0119 &#8211; \u00a35000 lub wi\u0119cej.<\/p><p>Je\u017celi jest partner lub ma\u0142\u017conek kt\u00f3ry ma d\u0142ugi.<br \/>Jego d\u0142ug totalny te\u017c nie mo\u017ce by\u0107 mniejszy ni\u017c \u00a35000 ten aby m\u00f3g\u0142 przyst\u0105pi\u0107 do programu.<\/p><p>IVA zasadniczo dzia\u0142a gdy mamy do czynienia z wi\u0119cej ni\u017c 1 d\u0142ugiem.<br \/>Je\u017celi Tw\u00f3j jedyny d\u0142ug stanowi powy\u017cej \u00a310 000 postaramy si\u0119 r\u00f3wniez pom\u00f3c.<br \/>Je\u017celi tw\u00f3j d\u0142ug stanowi mniej ni\u017c \u00a35000 prosimy zapoznaj si\u0119 z tym rozwi\u0105zaniem\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/debt-arrangement-scheme-das\/#\">Debt Managment Plan (DMP)<\/a>.<\/p><p>Uwaga! Program obejmuje d\u0142ugi sp\u0142acane i nie sp\u0142acane terminowo.<\/p><p>Osoba staraj\u0105ca si\u0119 aplikowa\u0107 do programu IVA powinna wytwarza\u0107 doch\u00f3d sta\u0142y najlepiej z tytu\u0142u:<br \/>Dochody dyrektorskie.<br \/>Umowy o prac\u0119 (kontrakt).<br \/>Umowa zlecenie (agencyjna) co najmniej 6 mies. ciag\u0142o\u015bci.<br \/>Dochodowe samozatrudnienie \u2013 self- employed<br \/>\u015awiadczenia socjalne nie mog\u0105 stanowi\u0107 jedynej podstawy dochodu!<\/p><p>Centrum interes\u00f3w \u017cyciowych (COMI): musi znajdowa\u0107 si\u0119 na terenie Anglii, Walii lub Irlandii P\u0142n.<br \/>Op\u0142acane rachunki<br \/>Praca na terenie UK<br \/>Posiadanie konta bankowego<br \/>P\u0142acone podatki na terenie Anglii, Walii lub Irlandii P\u0142n.<br \/>Nale\u017cy mieszka\u0107 na terenie Wielkiej Brytanii co najmniej p\u00f3\u0142 roku<br \/>Je\u017celi mieszkasz na terenie Szkocji prosimy zapoznaj si\u0119 z tym rozwi\u0105zaniem\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/trust-deed-szkocja\/\">Protected Trust Deed (PTD)<\/a>.\u00a0<\/p><p><strong>Sprawy nietypowe.<\/strong><br \/>Jedna linia kredytowa lub bycie dyrektorem sp\u00f3\u0142ki b\u0119d\u0105 rozstrzygane indywidualnie.<\/p><h2><strong>Jakie rodzaje zad\u0142u\u017cenia mo\u017cna w\u0142\u0105czy\u0107 w IVA?<\/strong><\/h2><p>OVERDRAFTS<br \/>LINIE ZAKUPOWE<br \/>PO\u017bYCZKI D\u0141UGOTERMINOWE<br \/>PO\u017bYCZKI \u015aREDNIOTERMINOWE<br \/>PO\u017bYCZKI KR\u00d3TKOTERMINOWE<br \/>KARTY KREDYTOWE\/SKLEPOWE<br \/>D\u0141UGI WOBEC HMRC \u2013 NADP\u0141ACONE BENEFITY<br \/>PODATEK VAT (JE\u017bELI D\u0141UG NIE PRZEKRACZA 25% TOTALNEGO D\u0141UGU)<br \/>NIEOP\u0141ACONE RACHUNKI ZA TELEFON LUB INTERNET<br \/>KARY ROZ\u0141\u0104CZENIOWE\/ TELEFON LUB INTERNET \u2013 zerwanie umowy<br \/>D\u0141UG ZA COUNCIL TAX \u2013 je\u017celi dany Council przyst\u0119puje do IVA<br \/>D\u0141UG ZA RENT &#8211; WOBEC COUNCILS LUB SP\u00d3\u0141DZIELNI &#8211; je\u017celi dany Council przyst\u0119puje do IVA<br \/>PO\u017bYCZKI W KT\u00d3RYCH STANOWISZ ZABEZPIECZYCIELA\/\u017bYRANTA<br \/>D\u0141UG ZA WOD\u0118<br \/>D\u0141UG ZA PR\u0104D\/GAZ \u2013 je\u017celi ju\u017c nie korzystasz z danego dostawcy<br \/>MORTGAGE \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy nieruchomo\u015bci i pozosta\u0142 d\u0142ug<br \/>CAR LOAN\/LEASING \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy pojazdu lub kiedy pojazd przesta\u0142 istnie\u0107 a pozosta\u0142 d\u0142ug. Auto kt\u00f3re jest w kredycie i jednocze\u015bnie jest u\u017cytkowane pozostaje nadal kosztem sta\u0142ym a IVA mo\u017ce obj\u0105\u0107 inne d\u0142ugi.<br \/>D\u0141UG ZA CAR INSURANCE \u2013 je\u017celi nie dosz\u0142o do wyp\u0142aty odszkodowania<br \/>CZESNE, ADWOKAT, DENTYSTA, KLINIKA MEDYCZNA \u2013 je\u017celi us\u0142uga przesta\u0142a by\u0107 kontynuowana.<br \/>LOAN TO START BUSINESS \u2013 pod warunkiem \u017ce biznes nie jest aktywny<br \/>D\u0141UGI BANKOWE Z DZIA\u0141ALNO\u015aCI (Self-employed)<br \/>D\u0141UGI ZA CZYNSZ, TELEFONY Z DZIA\u0141ALNO\u015aCI (Self-employed) \u2013 tylko je\u017celi biznes jest nieaktywny<\/p><h2><strong>Jakich rodzaj\u00f3w d\u0142ug\u00f3w IVA nie mo\u017ce obj\u0105\u0107?<\/strong><\/h2><p>KARY S\u0104DOWE I MANDATY &#8211; KREDYTY STUDENCKIE I ZALEG\u0141E ALIMENTY (Child Support Agency)<br \/>D\u0141UGI ZA CZYNSZ, TELEFONY itp. Z DZIA\u0141ALNO\u015aCI (Self-employed) \u2013 tylko je\u017celi biznes jest aktywny<br \/>D\u0141UGI WYNIK\u0141E Z ROZLICZE\u0143 POMA\u0141\u017bE\u0143SKICH\/D\u0141UGI S\u0104SIEDZKIE I PRZYJACIELSKIE<br \/>D\u0141UG ZA RENT \u2013 wobec osoby prywatnej (landlord)<br \/>D\u0141UGI POWSTA\u0141E NA TERENIE POLSKI<br \/>PO\u017bYCZKI TYPU HIRE PURCHASE<br \/>ZAD\u0141U\u017bENIA SP\u00d3\u0141KI LTD<br \/>TV Licence<br \/>MANDATY<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b4118a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b4118a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6046258\" data-id=\"6046258\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fe9937c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe9937c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3862ab4\" data-id=\"3862ab4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ed061f elementor-widget elementor-widget-text-editor\" data-id=\"6ed061f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Istniej\u0105 jeszcze inne rozwi\u0105zania, kt\u00f3re mog\u0105 pom\u00f3c Tobie w walce z d\u0142ugiem: Debt Managment (DMP), Debt Relief Orders (DRO), Bankruptcy oraz dzia\u0142ania bezpo\u015brednie wobec Twoich wierzycieli, kt\u00f3re mog\u0105 okaza\u0107 si\u0119 dla Ciebie odpowiednie.<\/p><p>Je\u017celi mieszkasz w Szkocji &#8211; w\u00f3wczas dotycz\u0105 Ci\u0119 inne rozwi\u0105zania regulowane programem Scottish Debt Solutions.\u00a0<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/trust-deed-szkocja\/\">Zobacz szczeg\u00f3\u0142y<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55c8680 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55c8680\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c86cf8e\" data-id=\"c86cf8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-811d3e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"811d3e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-5663ee3\" data-id=\"5663ee3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d330acd elementor-widget elementor-widget-image\" data-id=\"d330acd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"126\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/logo1.png\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7446178\" data-id=\"7446178\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ca2705 elementor-widget elementor-widget-image\" data-id=\"4ca2705\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"126\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/logo2.png\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-e5c37b8\" data-id=\"e5c37b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0a85fe elementor-widget elementor-widget-text-editor\" data-id=\"a0a85fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Jeste\u015b na Facebooku?<br \/>Zobacz nasz profil:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-830da02\" data-id=\"830da02\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a1f592 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5a1f592\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-square\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-810b631 elementor-widget elementor-widget-text-editor\" data-id=\"810b631\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-block-id=\"block-413cf865-cc7b-40e0-a109-1c7337a49001\">2020 \u00a9 UK Debtbusters PL LTD is registered in Scotland No.SC704540\u00a0Registered Office: 2\/1, 214 Castlemilk Drive, Glasgow G45 9JS. Data Protection Act 1998 registration number:\u00a0ZB144962. UK Debtbusters PL LTD works in association with Licensed Insolvency Practitioners authorized and regulated by the Insolvency Practitioners Association to provide information and advice on Individual Voluntary Arrangements and Protected Trust Deeds. For the avoidance of doubt, UK Debtbusters PL LTD does not provide any debt advice. UK Debtbusters PL LTD services are profit-seeking. You can find out more about dealing with your creditors in a guide produced by the Insolvency Service: In Debt \u2013 Dealing with your creditors. You can also find alternative free-to-consumer debt advice organizations as recommended by the Money Advice Service. The Money Advice Service is an impartial service set up by the Government. For free debt counseling, debt adjustment, and credit information services, visit\u00a0www.moneyadviceservice.org.uk. UK Debtbusters PL LTD offers free insolvency information, this information will be based on the detailed information you provide to our debt specialist 2\/1 214 Castlemilk Drive, Glasgow, G45 9JS.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Individual Voluntary Arrangement IVA (dobrowolny uk\u0142ad indywidualny) jest to prawnie obowi\u0105zuj\u0105ca umowa regulowane ustaw\u0105&nbsp;Insolvency Act 1986&nbsp;pomi\u0119dzy wierzycielami i d\u0142u\u017cnikiem kontrolowana przez tzw. Licensed Insolvency Practitioner* kt\u00f3ra doprowadza do pozbycia si\u0119 d\u0142ug\u00f3w osoby fizycznej w Anglii, Walii, Irlandii P\u0142n. Jest to du\u017co l\u017cejsza alternatywa dla Brytyjskiego bankructwa i DMP&nbsp; *Licensed Insolvency Practitioner &#8211; Specjalista ds. Niewyp\u0142acalno\u015bci [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-44","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":50,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/44\/revisions"}],"predecessor-version":[{"id":1540,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/44\/revisions\/1540"}],"wp:attachment":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/media?parent=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}