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Th e article focuses on the impact of the 2008 Insolvency Act in Czech Republic, which introduced new consumer bankruptcy legislation designed to help debtors become free of unpaid debts. Th e survey included 664 insolvency proceedings of individuals started in 2008 and ended by 2013. A situation emerges in which we can for the fi rst time evaluate the level of creditors’ satisfaction on the basis of concrete data mined from the insolvency register. Th e aim of article was to identify and compare trends between three key participants of insolvency proceedings – debtors, creditors and judiciary. Th e survey showed a higher initial debt among males, although they were at the same time able to repay a higher percentage of this debt. For creditors, the survey showed that almost a fi fth of receivables are secured, most frequently with real estate. Th e part focused on the court structure identifi ed diff erences in time needed for regional courts to pass the rulings.

Bankruptcy in Czech Republic – from the perspectives of debtors, creditors, and the judiciary, 2008-2013