Samo ogłoszenie upadłości konsumenckiej nie zmienia sytuacji materialnej dłużnika, ponieważ to co dotychczas zabierał komornik, teraz potrąca syndyk.
Przez okres postępowania po ogłoszeniu upadłości, które trwa około roku, a czasami dłużej dłużnik musi utrzymać siebie oraz swoją rodzinę do czasu zakończenia całego postępowania, co rodzi pokusę zaciągnięcia nowej pożyczki – dalszego zadłużania się.
Pożyczka po ogłoszeniu upadłości konsumenckiej nie jest najlepszym rozwiązaniem, jednak dalsze zadłużanie się po ogłoszeniu upadłości nie musi stanowić podstawy do umorzenia postępowania upadłościowego.
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