Debt collection in Poland operates within a legal framework, primarily governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies are available to assist in recovering debts, employing various methods within legal boundaries. If informal approaches fail, creditors can initiate court proceedings, potentially leading to a court order for debt repayment. Once a court judgment is obtained, enforcement mechanisms, such as seizing assets or bank account garnishment, can be employed. Poland has consumer protection laws in place, ensuring ethical practices by debt collectors and outlining the rights of debtors.
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https://www.grandliga.com/en/debt-collection-in-poland/