Debt collection in Poland involves the pursuit of overdue payments through legal and regulated means. The country has specific laws, such as the Civil Code and the Act on Payment Terms in Commercial Transactions, governing the debt collection process. Businesses and individuals often enlist the services of debt collection agencies to recover debts, employing various methods within the legal framework. If informal approaches fail, legal action can be taken, leading to court proceedings and potential enforcement measures, such as asset seizure or bank account garnishment. Poland also has consumer protection laws to safeguard the rights of debtors and regulates the amount of interest and additional costs that can be charged on overdue payments.

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