Debt Collection Poland

A Trusted Recovery Solution in Poland

Collecting a debt in Poland can seem impossible. Language and cultural barriers, foreign laws and customs, and sheer distance all impose serious challenges.

Debt recovery is simpler when you use a collection agency fluent in the laws and customs of the country where the debtor resides. Cedar Financial offers on-the-ground representatives in Poland who understand the debt collection practices that work to support full recovery of your funds.

Since 1991, Cedar Financial has served as a trustworthy, nationally licensed debt collection agency, helping businesses collect unpaid accounts internationally. With knowledge of collecting debts in a wide range of different industries, our experienced team collects your debts quickly and effectively so you can receive the payments you’re owed.

With offices in over 150 countries, including Poland, working with Cedar Financial provides you access to a global network of nationally licensed debt collectors. Our in-depth understanding of local laws, customs and cultures guarantees the best possible debt mediation results.

Comprehensive, People-First Help

At Cedar Financial, we put people first, doing everything we can to get your money back while still preserving a good relationship with your customer. Our strategic customer relations efforts are fair, but firm – ensuring that your reputation is our top priority.

We combine a people-oriented approach with the latest tech-driven solutions to drive results and provide better contact management. This comprehensive method gets the results you need while preserving customer relationships.

Our valuable network of collectors, attorneys, suppliers and vendors allow us to get the job done. We cherish our relationships, no matter how small or large.

Contact us today and learn what we can do for your business.

Frequently asked questions for Poland

Since 2003, we have successfully operated in the domestic and international debt collection market.

Our many years of experience, attention to quality and ethical principles make us a reliable and professional partner you can trust with confidence, even for the most difficult cases.

We work on a “No Collection – No Fee” basis so we will not charge a fee if we recover no money for you. That principle applies to pre-legal debt collection only.

With our international business, we do not set a minimum number of accounts, but do set a minimum value of debt at USD 250.00 per account.

We specialize in both types of claims, B2B and B2C, and offer our clients a tailor-made solution based on the type of claims submitted; including a fully automated system for collection, the assistance of well-educated staff in for larger, more complicated files, and legal services.

This greatly depends on the type of debt and the responsiveness of the customer.

First, a demand letter is sent, followed by many telephone follow up calls. Finally, a personal visit, if practical. We will continue to follow up on the account and attempt to resolve the matter with additional letters and phone calls.

Average statute of limitation is 3 years for invoices and bills of exchange.

Yes, we offer site visits and direct negotiations with the debtor. Each visit is confirmed by a report, including pictures. This will be billed accordingly.

Yes, but only if the debtor requires - we are obliged to deliver documents upon request.

In case of the judgment yes, legal fees will be added to the value of the debt (B2B and B2C).

Understanding Debt Collection in Poland – A Guide

Collecting a debt in Poland can seem like a daunting task. Language and cultural barriers, foreign laws and customs, all impose serious challenges to collecting debt. Here is some valuable information that may help you navigate the unique challenges faced in Polish collections.

Understanding the Polish Legal System
Polish law is founded on civil law and uses a codified system. Poland became a member of the EU in 2004, implementing regulations, including Regulation (EC) No. 1896(2006), which creates a European order for payment procedure, and Regulation (EC) No. 861/2007, which establishes a European small claims procedure.

There are separate legal procedures for various people and business types. There is the normal timeline in the Commercial Court (see below). Or, if the subject is worth less than 10,000 PLN, there may be an expedited process. Injunctions and seizures may be introduced to protect the rights of creditors.

Types of Companies
A solid understanding of the different kinds of companies is vital for effective debt collection in Poland. The most common company types are the following:

  1. Sole trader: no minimum capital requirement; owner has unlimited liability for the company’s debts. These are usually tradesmen and individuals offering a particular service.
  2. Civil law partnership: no minimum capital requirement; partners have unlimited liability for debts incurred.
  3. Limited partnership: requires no minimum capital; at least one partner has unlimited liability for debts, with limited partners enjoying limited liability.
  4. Private unlimited company with shareholders: requires minimum capital of 50,000 PLN; at least one partner has unlimited liability for debts incurred.
  5. General partnership: requires no minimum capital; partners have unlimited liability.
  6. Limited liability company: requires minimum capital of 5,000 PLN; partners are liable only for the total value of the company’s capital.
  7. Company with shareholders: requires minimum capital of 100,00 PLN divided into shares. The company is liable for the amount of capital held in those shares.

Statutory Limitations
The statutory limitation period in Poland is among the shortest in the EU, with only two years for domestic commercial claims and 10 years for a judgement. Only judicial interruption of a limitation is possible.

Payment Methods
The most common form of payment is bank transfer to the (foreign) creditor’s account or forwarding payment to the collection agency, which then wires the outstanding sum to the client. Other payment methods can be arranged. Separate accounts are set up for the repayment of debts.

Information on Debtors
In Poland, public registers of companies are easily accessible. Depending on the type of company, these registers will contain information on a given company’s solvency and assets.

Information on consumers and their assets is protected under Polish privacy laws.

Collection Costs
Generally, creditors are not entitled to add collection or any other additional costs to the amount owed, except for B2B debt, in which case the following conditions apply:

  • Costs €40 or under must be paid in a lump sum
  • Costs over €40 must be verified by documentation supplied by the creditor. Collections agencies cannot add fees without documentation from the creditor.

B2C vs B2B Claims
B2C and B2B claims are clearly distinguished in Poland.


B2C Claims B2B Claims
No public Registers for Individuals Public Registers for Companies
No information on Individuals’ assets Information on solvency and assets available only in a few types of companies – e.g limited companies with shareholders
The latest regulations allow individual debtors to announce a banktruptcy without the necessity of covering their debts. This can be risky for private creditors or loan companies, for all types of unsecured debts. Limited responsibility of the board.
  Long-lasting court procedures, incl. bankruptcies / insolvencies

Because of the lack of public registers for individuals, it is important to acquire as much information as possible. There is no information available about the financial situation of individuals before legal proceedings have begun – but once started, info is readily available.

For companies, financial information is easily accessible from the start, although be aware, data on public websites is not always current.

Keep in mind, there are no formalized procedures on how to send reminders to debtors, and costs and fees are agreed on a case-by-case basis.

Local Experts in Collections
Collections in Poland can be complicated for small to medium sized businesses. When in doubt, remember that debt recovery is much simpler when you use a collection agency fluent in the laws and customs of the country where the debtor resides.

Cedar Financial offers on-the-ground representatives in Poland who understand the processes and debt collection practices that work to support full recovery of your funds. For more information on how we can help, contact us today.