Debt collection in Poland operates within a legal framework governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies are employed to recover outstanding payments, utilizing various legal means. If informal methods fail, legal action through the court system may be pursued, potentially resulting in asset seizure or bank account garnishment. Consumer protection laws safeguard debtor rights, and creditors are limited in the amount of interest and additional costs they can charge. The specifics of debt collection can vary based on factors such as the nature of the debt and the terms of the initial agreement.
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