I am indebted to Social Security. What can I do?

If you are in debt to the Social Security Institution (ZUS), there are certain steps you can take to resolve the problem.

What steps should I take to resolve my Social Security debt?

Here are some suggestions:

1 Contact:
The first step is to contact your Social Security office. Explain your situation and ask about the possibility of negotiating the repayment of your debt. Often these institutions are open to conversation and can offer favourable solutions, such as spreading the debt into instalments.

Remember: If, for whatever reason, you are unable or unwilling to contact the Social Security Administration yourself, the legislation entitles you to grant a power of attorney. A power of attorney can take different forms and scope. You can grant a power of attorney to perform a specific action on a one-off basis, e.g. to collect correspondence or to deal with a single matter. You can also grant a power of attorney to handle all matters at ZUS. It is also possible to grant a power of attorney to handle matters via the ZUS Electronic Services Platform, even if the principal does not have his or her own profile on the ZUS PUE.

2. negotiation of repayment terms:
When you speak to the Social Security Administration, ask about the possibility of negotiating repayment terms. It is often possible to get an extension of the repayment period or to arrange convenient instalments that suit your financial possibilities.

3. repayment plan:
Develop a repayment plan, taking into account the amount of debt and your current income. Determine how much you are able to regularly set aside to repay your Social Security debt.

4. debt consolidation:
Jeśli posiadasz zadłużenie wobec wielu różnych wierzycieli, w tym ZUS-u i US-u, rozważ możliwość skonsolidowania wszystkich długów w jedno większe zobowiązanie lub skorzystaj z możliwości simplified restructuring.

5. financial advice:
If you are experiencing difficulties in repaying your debt to ZUS, it is worth taking advantage of counselling. Specialists including restructuring advisors from PMR Restructuring SA will help you to develop a personalised repayment plan and give you practical advice or implement a simplified restructuring.

Remember that it is important to take action to settle your debt as soon as possible. Zaniedbanie w spłacie długów wobec ZUS-u może prowadzić do poważniejszych konsekwencji, takich jak egzekucja komornicza czy nałożenie sankcji finansowych lub złożenie przez ZUS wniosku ogłoszenie Twojej upadłości.