Debt collection in Poland

Debt collection in Poland operates within a legal framework governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies are commonly engaged to recover outstanding debts using legal and ethical methods. If informal approaches fail, creditors can resort to court proceedings to obtain a judgment for debt repayment. Enforcement measures, such as seizing assets or bank account garnishment, may follow a court decision. Poland's consumer protection laws ensure that debt collection practices adhere to ethical standards and respect the rights of debtors.