PROBLEM WYKLUCZENIA CYFROWEGO A INFORMATYZACJA POSTĘPOWAŃ SĄDOWYCH NA PRZYKŁADZIE INSTYTUCJI UPADŁOŚCI KONSUMENCKIEJ
THE PROBLEM OF DIGITAL EXCLUSION AND THE COMPUTERIZATION OF COURT PROCEEDINGS ON THE EXAMPLE OF THE INSTITUTION OF CONSUMER BANKRUPTCY

Summary/Abstract: Digital exclusion is a complex, multidimensional phenomenon and may cause many negative consequences, such as isolating or hindering access to public services, which may be important for people in various sectors of socio-economic activity. One such example is the bankruptcy procedure, which is dedicated to insolvent people who are at risk of social exclusion and for whom debt relief is a chance to return to a normal life. The aim of this article is to analyze various difficulties experienced by digitally excluded people or at risk of such exclusion during online bankruptcy proceedings. Material and methods: This article is an analysis based on statistical data, scientific literature but mainly on case studies. Results: The main determinants of exclusion are connected with a lack of skills and knowledge in the scope of procedural and financial-economic topics. Conclusions: inclusion activities should be based primarily on the education of indebted consumers in a broad sense.

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