Debt collection in Poland operates within a legal framework outlined by the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies are employed to pursue payments, utilizing legal methods while adhering to consumer protection laws. If informal collection efforts fail, creditors may resort to court proceedings, which, if successful, enable enforcement measures such as asset seizure or bank account garnishment. Consumer rights are protected during the debt collection process, and interest rates and additional costs are regulated by law. The specific procedures and regulations may have evolved, so it is advisable to consult updated sources for the latest information on debt collection in Poland.