Our debt collection service (windykacja należności) comprises a comprehensive set of measures aimed at recovering overdue receivables from the debtor. In Poland, debt collection proceedings may be conducted either through out-of-court (amicable) procedures or through formal court proceedings.
Recover Your Money in Three Simple Steps
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We will check your debtor free of charge and provide you with a tailored action plan
You approve the plan and receive your money
- Within 24 hours, you will receive a proposal for the purchase of your receivable or for its recovery.
- You will receive additional information about the debtor free of charge.
- You can recover up to 100% of your debt.
93%
Successfully completed debt collections
90%
At the amicable settlement stage
Key Stages and Debt Collection Services
Amicable Debt Collection (Windykacja polubowna):
- Debt analysis – verification of the legal validity of the claim, review of supporting documents (contracts, invoices, acts of acceptance, etc.).
- Contact with the debtor – telephone negotiations, written demands, email correspondence.
- Issuing a formal demand for payment (wezwanie do zapłaty) specifying the amount owed, payment deadline, and potential consequences of non-payment.
- Negotiations and preparation of a repayment schedule – offering debt restructuring, payment deferrals, or instalment plans.
- Assessment of the debtor’s solvency – retrieving data from credit bureaus and public registers (KRD, BIG InfoMonitor, CEIDG, KRS).
- Field debt collection (windykacja terenowa) – on-site visits to the debtor for direct payment discussions.
Court Debt Collection (Windykacja sądowa):
- Preparation and filing of a statement of claim (pozew o zapłatę) with the court.
- Obtaining a court payment order (nakaz zapłaty) – in the case of an undisputed debt.
- Conducting court proceedings – in the event the debtor disputes the claim.
- Engaging a court bailiff (komornik sądowy) for enforced collection.
Enforcement Proceedings (Egzekucja komornicza):
- Preparation of documents for the court bailiff (komornik).
- Seizure and enforced recovery from the debtor’s bank accounts.
- Seizure and sale of assets (movable and immovable property).
- Garnishment of wages and other income.
Alternative Debt Recovery Methods
- Debt sale (cesja wierzytelności) – assignment/transfer of the receivable to a debt collection agency or another company.
- Factoring – assignment of the receivable to a factoring company with immediate receipt of a portion of the amount.
- Listing the debtor in credit bureaus and blacklists (KRD, BIG InfoMonitor, BIK), which significantly restricts their ability to obtain loans and conduct business.
Why Choose Professional Debt Collection Services?
Reduction of financial losses.
Saving your company’s time and resources.
Legal and highly effective recovery methods.
Minimizing the risk of future non-payments.
If you need help with a specific debt collection situation, let me know!