4234 declared consumer bankruptcies since the beginning of 2018.
Obligations of non-business individuals to whom the Court declared bankruptcy this year amounted to approximately PLN 490 million at the end of August. The indicated debt consists of PLN 63 million under housing loans, PLN 203.3 million under consumer and housing loans and PLN 184.4 million exclusively under consumer loans.
The average amount of debt resulting from the register of BIG InfoMonitor is about PLN 23 thousand, and in the case of loans visible in BIK is PLN 157.378. Currently, the average of credit debts is falling year by year, as Poles react more quickly and file applications for bankruptcy.
Not all consumers applying for bankruptcy had credit obligations. This year, every third person (32%) and every fifth person (21%) had no commitments visible in BIK and BIG InfoMonitor.
Applications for consumer bankruptcy are more often filed by women (55%). In terms of age, almost every fourth debtor is between 36 and 45 years old. Then the applications are submitted by debtors aged 56 to 65 years old. Bankruptcy applications are also popular among relatively young people aged 26 to 34.
The majority of people who were declared bankrupt in 2018 are residents of the Mazowieckie Voivodeship. This part of Poland is home to 876 people and, according to statistical data, they have, on average, a higher debt than debtors in other parts of Poland. The next place is taken by the Silesian Voivodeship. Every eighth person declaring insolvency comes from this region.