Our debt collection service (windykacja należności) includes a set of measures aimed at recovering overdue debts from the debtor. In Poland, the debt collection procedure can be carried out both pre-trial and through judicial proceedings.
Key stages and debt collection services
Pre-trial detention (Windykacja polubowna):
- Debt analysis – verification of the legal validity of a claim, examination of documents (contracts, invoices, acts).
- Contact with the debtor – telephone conversations, written notifications, emails.
- Issuing an official demand for repayment of the debt (wezwanie do zapłaty), indicating the amount, timing and possible consequences of non-payment.
- Negotiations and preparation of a payment schedule – a proposal for debt restructuring and deferred payments.
- Checking the debtor's solvency is a request for data from registries (KRD, BIG, CEIDG, KRS).
- Field events (windykacja terenowa) – personal meetings with the debtor to discuss payment.
Judicial recovery (Windykacja sądowa):
- Preparation of a statement of claim (pozew o zapłatę) and filing with the court.
- Obtaining a court order (nakaz zapłaty) – in case of an undisputed debt.
- Conducting legal proceedings – if the debtor disputes the debt.consequences of non-payment.
- Appeal to the executive service (Komornik sądowy) for compulsory collection.
Enforcement proceedings (Egzekucja komornicza):
- Preparation of documents for the bailiff (komornik).
- Arrest and compulsory collection from the debtor's bank accounts.
- Seizure and sale of property (movable and immovable).
- deduction from wages and other income.
Альтернативные методы взыскания
- Debt sale (cesja wierzytelności) is the transfer of debt to a collection agency or another company.
- Factoring is the transfer of debt to a factoring company with the immediate receipt of a portion of the amount.
- Blacklisting the debtor (KID, BIG, BIKE), which makes it difficult for him to obtain loans and conduct business.
Why should you use debt collection services?
Reduction of financial losses.
Saving the company's time and resources.
Legitimate and effective methods of recovery.
Minimizing the risk of future non-payments.
If you need help with a specific debt collection situation, let us know!
