Debt collection in Poland is governed by laws such as the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can enlist specialized debt collection agencies to pursue payments through legal and ethical means. In cases where informal methods fail, creditors may resort to court proceedings to obtain a judgment for debt repayment. Once a court order is secured, enforcement measures, including asset seizure and bank account garnishment, can be employed. Consumer protection laws exist to safeguard debtor rights, and interest rates and additional costs on overdue payments are regulated by law.

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