Debt Collection in Poland

  • Debt collection in Poland conducted locally.
  • Risk-free. Pay only upon success.
  • 9,5 % in commission.

  An international collection agency that is rated 9,4 out of 10 based on 72 reviews on Kiyoh!  international debt collection in Finland

Oddcoll’s debt collection services in Poland

Looking for a debt collection service in Poland? We are Polish experts in debt collection in Poland and we are happy to help you. Read more about how.

All you need to do to collect an overdue invoice in Poland


Upload your Polish invoice.

Our Debt Collection Agency in Poland starts the recovery process.

Get paid!

Benefits of our debt collection service in Poland


Local Polish specialists in debt recovery.


Experts in all aspects of the Polish debt collection process.


You only pay if we succeed.

How we help you get paid from companies in Poland.

Oddcoll is a debt collection platform. Specially created for companies with an international focus and with cross-border claims.

We always offer the most efficient debt collection by collaborating with the best local / national debt collection companies around the world.

At the touch of a button, you will thus start a Polish debt collection agency that initiates debt collection actions against your customer.

After working with several different Polish debt collection agencies, we have now chosen to only work with Crediteform Polska Sp. z .o.o as they delivered the highest degree of recovery rate and customer satisfaction.

Our Debt Collection agency in Poland.

It is the fact that unsettled debts always decrease the cash flow of a business. To take this stress out of your mind Oddcoll debt collection services in Poland is here to help you.

Crediteform Polska Sp. z .o.o., that is located in Warsaw, Poland is our local partner for Poland and once you claims are recovered; our local debt collection agency transfer it to your bank. And all you need to do to get started is to upload your claim.​

Introduce your company in a few sentences?

Creditreform Polska is a part of an international association of business intelligence agencies operating under the Creditreform brand. We have been operating in Poland for over 25 years. We have a team of employees with many years of experience. We collect and process data on the unreliability of payment of debtors.

Describe the debt collection process (out of court). What do you do in order to get a debtor to pay, step by step?

We treat each case individually and the collection process depends on the reaction of the debtor, but in short:
A call for payment by mail and e-mail > telephone calls with the debtor > setting a deadline for repayment > in case of failure to repay, another written request > further phone calls > in case of failure to repay, a final written request > if no results, a proposal for court proceedings

Additional possible activities:
– inclusion of debtor in public debtors list (power of attorney needed)
– visit to debtor’s office/house (extra fee 50 €)
– Sending e-mails, text messages
– use of a detective (extra fee depending on the service)

What does legal actions cost?

The costs of court and enforcement proceedings cannot be predicted in advance as they largely depend on the complexity of the case and its progress.

If you take legal actions in a case and win in court, are you able to always add the legal costs that the client has paid to the debt and it will be paid by the debtor?

This is for the court to decide. But in practice, the debtor has to pay back most of the costs.

“Judicial” debt collection in Poland.

Unfortunately, you sometimes have to take legal action to get a persistent debtor to pay in debt collection in Poland. Our Polish debt collection experts are of course specialists in this and will help you if the need arises.

To approach court with a Polish debt recovery case.

Which court? The jurisdiction of courts (sądy powszechne) of Poland is controlled by the regulations of the Code of Civil Procedure.

As a rule. the courts of first instance when you sue a business is district courts. And the courts of second instance are regional courts and courts of appeal (sądy apelacyjne).

Would I be able to bring a court action without help from a legal counsler? Yes, a party can almost always choose to represent itself without a representative. In certain special cases, the law requires that you be represented by a lawyer. But then it is a question of, for example, disputes in the Supreme Court and it does not affect Polish debt collection disputes in lower instances.

How to file a case in the court? Cases should be submitted to the court in Polish or with a translation into Polish enclosed. What you demand of the court to judge must be written in writing in the lawsuit.

Will I need to pay court charges? The commitment to pay the court costs lies on the party which lodges with the court a pleading which is dependent upon a fee. In the event that the fee isn’t paid, the party is summoned by the court to pay it inside seven days. If it is still not paid, the lawsuit will be returned.

A request for an “order for payment” in Poland.

In Poland, there is a legal procedure for debt collection cases.

That is, when one party has a claim for money against the other party.

The procedure is called an order payment order. It exists in most countries’ legal systems. The purpose is that uncomplicated cases, where there does not seem to be any disagreement between the parties, should be able to be processed faster and cheaper.

An Order for Payment might be given regardless of the sum of the claim.

An applicant can choose whether they want the case to be handled as a regular court case or as an Order for payment. Applicants state their choice in the lawsuit.

The order for payment strategy is dependent upon the jurisdiction of regional (okręgowy) and district(rejonowy) courts.

It isn’t obligatory to use an attorney (przymus adwokacki) for an application of “order for payment”.

The claim statement ought to determine the claim exactly and set out the circumstances legitimizing the case.

If the debtor objects to the claim.

A statement of opposition or a statement of defence must be submitted in writing to the court which issued the order for payment. In the explanation, the defendant ought to indicate whether they are opposing the order completely or partially.

The effect of an objection. If an objection has been properly filed, the judge will set a date for a court hearing. This means that the parties will be heard in the same way as in ordinary civil proceedings.

The impact of absence of an objection. If the debtor does not choose to contest the claim, a Payment order will be issued. It is a legal proof of the debt and it can be used as a basis for enforcement. An order for payment isn’t available to further appeal.

Presence of a small claims procedure in Poland.

There is also another type of legally simplified procedure. It is used for claims under contracts, if the value of the claim does not exceed PLN 20,000.

The Procedure was set up by Regulation (EC) No 861/2007 of the European Parliament and of the Council of 11 July 2007 building up an European Small Claims Procedure with the end goal of smoothing out and working on civil and business procedures. The Regulation is applied altogether to EU Member States with the exception of Denmark. It was rendered into Polish law by Articles 50521 to 50527a of the Code of Civil Procedure.

The small claims procedure  can be applied in cases including normal people or individuals and legal people or organizations, employees and owners.

Enforcing a judgment in Poland.

In short, enforcement means that the state helps a creditor to enforce a claim.

The preconditions for this are that;
– There is an enforcable title.
– An application is made by the creditor.

An enforcable title can be said to be a type of legal proof that the debt actually exists. An enforcable title corresponds in the debt collection case to a judgment from either the ordinary Polish court proceedings, the Payment order or the small claims procedure.

Laws on Enforcement are regulated in the Polish Code of Civil Procedure (Kodeks postępowania cywilnego).

Insolvency procedures in Poland, when an organization has no capacity to pay.

When a company has so many unpaid debts that they have no opportunity to cover them, then insolvency proceedings may become relevant.

The purpose of insolvency proceedings against companies is to;

1. First and foremost to safeguard the interests of all creditors. This means that everyone should have the same chance of getting paid for their claims.
2. But also to, if possible, find a way to be able to let the insolvent business continue.

Resources and Assets: In insolvency procedures the bankruptcy estate incorporates the resources possessed by the bankrupt party upon the arrival of the affirmation of chapter 11 just as the resources obtained by that party over the span of the chapter 11 procedures (Article 62 of the Bankruptcy Act).

The Management : The debtor is denied the option to deal with his assets. The administration of the assets and resources is taken over by the a “syndyk”. The syndyk likewise takes over the duties identified with the activity of running the company.

When you are in need of help with debt collection in Poland, Oddcoll can help you. Do not hesitate to get in touch with us if you have any questions. If you want to put our Polish debt collection agency to work, you just upload the invoice!

See how easy it is to get started with your case!


Oddcoll is a service for international debt collection.
We make it easy for companies to get paid from their customers abroad.

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