First and foremost, the first advantage of consumer bankruptcy should be the ability to stop all debt litigation, as well as bailiff enforcement and penalty interest charges. In addition, the size of the liabilities is irrelevant, nor is the length of time that they have been in default. It should also be remembered that in 2020. There has been a liberalization of bankruptcy laws. As of now, the provision regarding the obligation to prove that the consumer was not at fault in causing his insolvency is not in effect. As a result, declaring bankruptcy is easier and not as demanding as before.