Debt collection in Poland operates within a legal framework governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can employ specialized debt collection agencies to pursue outstanding payments through legal means. If informal methods fail, legal action can be taken, involving court proceedings to obtain a judgment for debt repayment. 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 in place to ensure ethical debt collection practices and outline debtor rights.