Debt collection in Poland operates within a legal framework outlined by the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can engage specialized debt collection agencies to recover outstanding payments, adhering to ethical practices and consumer protection laws. If informal methods fail, legal action can be pursued through the court system, with court judgments enabling enforcement measures like asset seizure or bank account garnishment. Interest and additional costs on overdue payments are regulated by law, allowing creditors to claim a specified amount. The specific process may vary based on the nature of the debt, and it is advisable to consult updated sources or legal professionals for the latest information.

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