Concrete actions we take every day to help people escape debt and reclaim their lives.
The Lady Liberty Foundation is not a passive organisation. We take concrete, measurable action on behalf of every person who comes to us for help. Here is a full picture of what that looks like in practice.
Every person who contacts us receives a free initial consultation. During this session, we assess your situation, explain your legal position in plain language, and outline the realistic options available to you.
We do not use legal jargon. We do not make promises we cannot keep. We give you an honest picture of where you stand and what can be done — so you can make informed decisions about your next steps.
Many people in debt do not know that they have rights — and that those rights are enforceable. We run educational sessions, workshops, and one-on-one briefings covering:
We help people negotiate directly with creditors to achieve realistic repayment arrangements, debt reductions, or full settlements. Our team has experience dealing with banks, loan companies, debt purchase funds, and private creditors.
We prepare negotiation strategies tailored to your specific situation, help you communicate effectively with creditors, and work to achieve the best possible outcome — whether that is a reduced lump-sum settlement, a manageable repayment plan, or a formal debt write-off.
Receiving a court summons is frightening — but it does not have to mean defeat. Many debt-related court orders are issued by default because the debtor did not respond. We help you understand what has been filed against you, whether the claim is valid, and how to respond effectively.
We assist with preparing written responses, gathering supporting documentation, and understanding the procedural steps involved. In many cases, a timely and well-prepared response can significantly change the outcome.
Bailiff enforcement is one of the most stressful experiences a debtor can face. We help people understand what bailiffs are legally permitted to do, what property is protected from seizure under Polish law, and how to challenge enforcement actions that exceed legal limits.
We also assist with filing formal complaints against bailiffs who act unlawfully, and with applying for enforcement suspensions where appropriate grounds exist.
Consumer bankruptcy — known in Poland as upadłość konsumencka — is a legal process that can provide genuine relief for people with unmanageable debt. Since the law was reformed in 2020, it has become significantly more accessible.
We explain clearly who qualifies, what the process involves, what its consequences are, and whether it is the right option for your specific situation. We help you make this decision with full information — not fear or misunderstanding.
Prevention is as important as cure. We run financial literacy workshops for individuals, families, and community groups — covering budgeting, understanding credit agreements, recognising predatory lending, and building financial resilience.
These workshops are free of charge and open to anyone. Our goal is to help people avoid debt crises before they begin — by building the knowledge and habits that lead to long-term financial stability.
Debt is not just a financial problem — it is an emotional and psychological one. The stress, shame, and anxiety that come with serious debt can be overwhelming. We recognise this, and we take it seriously.
Where appropriate, we connect people with qualified psychological support services and community resources. We believe that addressing the emotional dimension of debt is just as important as addressing the legal and financial one.
We work actively to raise awareness of debtor rights and financial literacy across Polish society. This includes publishing accessible guides and articles, participating in community events, and collaborating with other organisations that share our values.
We believe that systemic change requires public awareness. The more people understand their rights, the harder it becomes for the system to exploit them.
From your first contact to the resolution of your case, here is what to expect when you work with the Lady Liberty Foundation.
Reach out by email, phone, or our contact form. Tell us about your situation in as much or as little detail as you are comfortable with.
We arrange a free initial consultation — in person or remotely — to fully understand your situation and explain your options clearly.
Together we develop a personalised action plan — realistic, legal, and focused on achieving the best possible outcome for your specific situation.
We walk with you through every step — from negotiations and court responses to final resolution. You are never alone in this process.
"We help those who are ready to take action. If you are determined to change your situation, we are determined to help you do it."FUNDACJA WSPARCIA I POMOCY ZADŁUŻONYM "LADY LIBERTY"
Whether you are in crisis today or simply want to understand your situation better — reach out. The first consultation is always free and always confidential.
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