Debt collection in Poland operates within a legal framework defined by the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies are commonly employed to recover outstanding payments using various lawful methods. If informal approaches fail, creditors can pursue legal action through the court system to obtain a judgment for debt repayment. Once a court order is secured, enforcement measures such as asset seizure or bank account garnishment may be employed. Consumer protection laws ensure that debt collectors adhere to ethical practices and respect the rights of debtors during the collection process.
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