Monitor Prawniczy no. 4/2016 Consumer bankruptcy in the light of changes introduced by the Restructuring Law Maciej Geromin The object of guarantee and the nature of the obligational relationship Magdalena Wilejczyk The scientific consortium agreement Mateusz Menszig Korzystanie z fachowej pomocy prawnej jako przyczyna błędu co do prawa Emil Smogorzewski The effectiveness of an aval Sławomir Czarnecki The extent of a tour operator’s liability for the defects of the service Magdalena Skowron-Kadayer Disbursement of funds accumulated in a personal bank account of a person who was in matrimony at the timne of death Arkadiusz Monkiewicz