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 employed to recover outstanding debts using lawful methods. If informal approaches fail, legal action can be pursued through the court system, with court judgments enabling enforcement measures such as asset seizure or bank account garnishment. Consumer protection laws outline debtor rights, requiring debt collectors to adhere to ethical practices. The amount of interest and additional costs on overdue payments is regulated by law, with creditors entitled to claim interest on the outstanding debt.

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