First and foremost, legal entities such as companies, organizations, foundations or local government units cannot declare consumer bankruptcy. There are separate procedures for them.Also, personal bankruptcy is not available to people who have tried to abuse this institution, primarily: 1.concealed income or assets, 2.concealed creditors and the amount of debt, 3.have means and income sufficient to repay the debt,In addition, consumer bankruptcy cannot be declared by people who are self-employed or are partners in a company. The declaration of consumer bankruptcy can take place earlier than after the deletion of the entry from the business register.