Debt collection in Poland

Debt collection in Poland involves pursuing payments through a legal framework governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can enlist the services of debt collection agencies to recover debts, operating within legal boundaries. If informal methods fail, legal action can be taken through the court system, with subsequent enforcement mechanisms available upon obtaining a court judgment. Consumer protection laws outline debtor rights, ensuring ethical practices during the collection process. Interest rates and additional costs on overdue payments are regulated by law, allowing creditors to claim interest on outstanding debts.