The problem of digital exclusion and the computerization of court proceedings on the example of the institution of consumer bankruptcy

Abstract

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.

Keywords

• social exclusion
• consumer bankruptcy
• digital exclusion