Debt collection in Poland is governed by laws such as the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies operate within this legal framework to recover debts through various methods. If informal approaches fail, creditors can pursue legal action through the court system to obtain a repayment order. Once a court judgment is secured, enforcement measures, such as asset seizure or bank account garnishment, can be employed. Poland also has consumer protection laws to safeguard debtor rights and regulate the allowable interest and costs associated with overdue payments.