1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Poland 

We cover all 16 provinces (voivodeships) in Poland. We have Polish offices in Warsaw and Katowice where we recover debts throughout all of Poland.. 

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language in this case Polish and understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Poland 

This varies from 3 to 10 years depending on the type of claim but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
Or ask us to call you – just leave us your details: 

Poland Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
The local International Debt collection Partners know: 
The local cultures 
The languages 
The laws 
Are in the same time zones 
Herewith details of our debt collection service Poland: 

Location of debt recovery office in Poland? 

Warsaw, Katowice. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

45. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response result s from debtors. 

How long have you been operating a debt recovery service in Poland? 

We have been operating a European debt collection service on a no win no fee basis in Poland since 1992. Poland is included on our debt collection agency list

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Poland? 

Countdown of the debt limitation period begins on the last day of the year in which the creditor may claim the repayment. Currently it is the last day of the year in which the repayment deadline expires. However if the debtor performs any debt-related activities before the limitation period expires, e.g. does file a lawsuit - the limitation period begins again. The actual expiration depends on the art of debt and the creditor. 
(bank) account debit - 2 years, 
loan - 3 years, 
credit card debit - 3 years, 
telecommunication services bills - 2 years, 
real estate tax - 3 years, 
income tax - 5 years, 
insurance contract - 3 years, 
heirloom - 6 years, 
claims confirmed by a valid judgment - 6 years, 
penalties for having no required fare paid - 2 years, 
Social Insurance dues - 10 years, 
maintenance claims - 3 years, 
claims from the sales contract - 2 years, 
rent - 3 years, 
claims from a contract of employment (employment law) - 3 years, 
claims from a contract for a work / order (civil law) - 2 years, 
Poland civil litigation statute of limitations is a law that time limits a plaintiff’s right to bring a claim against a defendant. The statute of limitations in Poland is 3 years. However, if an action has been taken within this time then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. Other Statute of Limitations include: 
Poland Open Account Years – 3 years 
Poland Promissory Notes – 3 years 
Poland Written Contracts – 3 years 
Poland Oral Agreements – 3 years 

How EU (European Union) laws effect debt collection in Poland? 

EU regulations allow for recovery from the debtor for collection costs of EUR 40 /receivable and more in justified cases. 
Poland has been a European Union (EU) member country since 2004 and Schengen area member since 2007. 

How many companies registries in Poland for businesses (i.e. UK has just 1 central registry)? 

2 registers; 
KRS - sort of Trade Register, capital companies, ca 500 000, spread in 22 co called register courts throughout the country. Partial access to electronic data on central level, 
CEiDG - central countrywide electronic register containing partial data from about 2000 townhall registers of sole proprietorships (about 4 000 000). 
There is 1 central company registry in Poland which is called Polish National Court Register located in Warsaw, Poland. 
We have access to Poland Company Registry searches to find out who further background information on all Poland companies. 

What is the debt collection process in Poland? 

sending mail and e-mail correspondence, 
repeated telephone contact, 
visit to the debtor's office (under separate order/charge). 

Average length of time to collect a debt? 

The average time taken to recover a Poland B2B debt collection case varies from case to case. 
On average it is 100 days amicable collection, court collection - 1 year. 

Can late payment fees / interest to be added to claims? 

Yes, 40 EUR / each receivable, more in justified cases; in case of court proceeding it is difficult to prove costs higher than 40 EUR. 

Details on legal service / process in Poland? 

court costs depend on the amount claimed, 
the duration depends on the complexity of the case, 3 months to few years. 
The unpaid invoices are often the reason of additional outlays for their service and liquidity problems. In practice, each outstanding debt negatively influences the financial result of the creditor. Our Polish Debt Recovery Service helps in recovering business (B2B) and consumer (B2C) debts. 
Debt collection - valuable service 
The amicable Polish debt collection service (pre-court) is a key element of the Polish debt recovery process. At this stage the most important aspect is the direct contact and persuading the debtor to repay the debt or to conclude a suitable settlement agreement. 
Conducting activities at an early stage of the Polish debt recovery process incurring and a strong emphasis on negotiations with debtors allows recovering a whole Polish debt or a large part of it without referring the matter to court. 
In case the Polish debt is not recovered with the means of amicable Poland debt collection, we will provide you the opportunity to refer the matter to court. The court Polish debt collection is conducted jointly with our law office. The initiation of the enforced Polish debt collection is preceded by court trial which aims to obtain the enforcement order enabling to refer the matter to court enforcement officer. 
Bad debt protocol 
Creditreform clients who cannot recover the receivables despite conducting our Polish debt collection services do not have to bear the total loss. We help our clients in assigning bad debts to deductible costs, where the cost of the Polish debt recovery is equal to or greater than its amount. 
Advantages of Polish debt collection led by Creditreform 
collection of fees only in reference to successful cases 
highly effective Polish debt collection 
business and consumer Polish debt collection 
use of economic information about the debtor accelerates recovery proceedingsapplying the pressure on the debtor by using the WIN-WIN strategy (protecting the client-debtor relation) 

Poland Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. Total businesses registered in Poland is around 3.5 million. Through our online databases you can download Poland credit reports instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Poland Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Poland tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace. 

Specialist Debt Recovery Experts 

There are many unique requirements to recovering international debts in all countries including Poland debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collections UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service. 

European Payment Order in Poland 

Poland does operate an Order of payment procedure with no upper limit of a claim. The order for payment procedure is subject to the jurisdiction of district (rejonowy) and regional (okręgowy) courts. It is not mandatory to be represented by a lawyer (przymus adwokacki) in an order for payment procedure. 
Once issued, an order for payment constitutes a preservation order (tytuł zabezpieczenia) and can be enforced without having to be declared enforceable. 

What language should the application be made in Poland? 

The claim must be submitted to the court in Polish or with a translation into Polish attached. 

What Courts are used in Poland? 

The court sytem in Poland includes the appellate (sądy apelacyjne), provincial (sądy okręgowe) and district courts (sądy rejonowe). 
Civil courts have a civil unit (wydział cywilny) in each appellate, provincial and district court. 
Criminal courts have a criminal unit (wydział karny) in each appellate, provincial and district court. 

Mediation (Alternative Dispute Resolution - ADR) in Poland 

In 2010 a section was created within the Ministry of Justice to be responsible for mediation issues, currently functional in the Division for Victims of Crime and the Promotion of Mediation (Wydział ds. Pokrzywdzonych Przestępstwem i ds. Promocji Mediacji) within the Department of International Cooperation and Human Rights. 
The Minister for Justice works with the Social Council on Alternative Dispute and Conflict Resolution (Społeczną Radą ds. Alternatywnych Metod Rozwiązywania Konfliktów i Sporów). It was appointed for the first time by Order of the Minister of 1 August 2005 as a body to advise the Minister on issues of alternative dispute and conflict resolution in the broad sense. 
The ADR Council was appointed for its second term by Order of the Minister for Justice of 3 April 2009 (amended by the Order of the Minister for Justice of 1 July 2011). 
The Council is currently made up of 23 representatives from the field of science and experienced mediation practitioners, as well as representatives of the following non‑governmental organisations, academic institutions and government departments. 
There are also a large number of non-governmental organisations and companies which play an important role in promoting mediation and determining its internal standards. These associations include: 
The Polish Mediation Centre (Polskie Centrum Mediacji), 
The Association of Family Mediators (Stowarzyszenie Mediatorów Rodzinnych), 
The Polish Association of Mediators (Krajowe Stowarzyszenie Mediatorów), 
Partners Mediation Centre Poland (Centrum Mediacji Partners Polska), 
The Polish Arbitration Association (Polskie Stowarzyszenie Sądownictwa Polubownego), 
The Lower Silesian Mediation Centre (Dolnośląski Ośrodek Mediacji). 

Can Statutory Interest Rate be added in Poland? 

Pursuant to Article 359(1) of the Civil Code of 23 April 1964 [Journal of Laws 2014, item 121, as amended, (‘the CC’)], statutory interest on a sum of money can only be added following a legal transaction or statutory law, a court decision or a decision of another competent authority. Statutory interest is charged at a rate of the National Bank of Poland plus 3.5 percent. 
If the rate of interest on arrears has not been specified, statutory interest on arrears is charged at a rate of the National Bank of Poland plus 5.5 percent. 
Interest on commercial transactions, on the other hand, is governed by the Due Dates (Commercial Transactions) Act of 8 March 2013 (Journal of Laws 2019, item 118), and the rate is always set in a notice issued by the Minister for Enterprise and Technology. Currently, pursuant to the Notice of 14 January 2019, as of 1 January 2019 until 30 June 2019, the level of statutory interest on arrears in commercial transactions is 9.50% per annum. 

Poland Debt Collection Partners in the following Polish Countries 

Who are the main trading partners for Poland? 

The main import and export partner for Poland are Germany, Czech Republic, United Kingdom, France, Netherlands, China, Italy and Russia

Which countries border Poland? 

Poland is located in Europe whose western border is with Germany; the south-western border's with the Czech Republic and to the south it's Slovakia, to the North is Kaliningrad (Russia) to the north-east is the short Lithuanian border and east lie the borders of Belarus and the Ukraine

What is the Supreme Court in Poland? 

The Supreme Courts for Poland are: 
The Constitutional Tribunal (Trybunał Konstytucyjny) was established on 26th March 1982. 
The Supreme Court (Sąd Najwyższy) was established on 1st September 1917. 
The Supreme Administrative Court of the Republic of Poland (Naczelny Sąd Administracyjny, NSA) was established in 1980. 
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