Debt collection in Poland operates within a legal framework, primarily governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses or individuals can enlist the services of debt collection agencies to recover outstanding payments. If informal methods fail, legal action can be taken through the court system, leading to a court judgment. Enforcement measures, such as asset seizure or bank account garnishment, may be employed to compel debtors to pay. Consumer protection laws exist to safeguard the rights of debtors, ensuring ethical practices are followed during the debt collection process.

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