1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Poland

We cover all 16 provinces (voivodeships) in Poland. We have Polish offices in Warsaw and Katowice where we recover debts throughout all of Poland.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language in this case Polish and understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Poland

This varies from 3 to 10 years depending on the type of claim but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


    Poland Debt Collection – No Win No Fee

    Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No  Fee basis charging an agreed commission against monies recovered only.

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

    The local International Debt collection Partners know:

    1. The local cultures
    2. The languages
    3. The laws
    4. Are in the same time zones


    Herewith details of our debt collection service Poland

    Debt Collection Poland

    Location of debt recovery office in Poland?

    Warsaw, Katowice

    Number of debt collection staff?


    How long have you been operating a debt recovery service in Poland?

    since 1992

    What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

    We do both commercial debt collection (B2B) and consumer debt collection (B2C)

    Statue of Limitation in Poland?

    Countdown of the debt limitation period begins on the last day of the year in which the creditor may claim the repayment. Currently it is the last day of the year in which the repayment deadline expires. However if the debtor performs any debt-related activities before the limitation period expires, e.g. does file a lawsuit – the limitation period begins again. The actual expiration depends on the art of debt and the creditor.

    • (bank) account debit – 2 years,
    • loan – 3 years,
    • credit card debit – 3 years,
    • telecommunication services bills – 2 years,
    • real estate tax – 3 years,
    • income tax – 5 years,
    • insurance contract – 3 years,
    • heirloom – 6 years,
    • claims confirmed by a valid judgment – 6 years,
    • penalties for having no required fare paid – 2 years,
    • Social Insurance dues – 10 years,
    • maintenance claims – 3 years,
    • claims from the sales contract – 2 years,
    • rent – 3 years,
    • claims from a contract of employment (employment law) – 3 years,
    • claims from a contract for a work / order (civil law) – 2 years,

    How EU (European Union) laws effect debt collection in Poland?

    EU regulations allow for recovery from the debtor for collection costs of EUR 40 /receivable and more in justified cases.

    How many companies registries in Poland for businesses (i.e. UK has just 1 central registry)?

    2 registers;

    KRS – sort of Trade Register, capital companies, ca 500 000, spread in 22 co called register courts throughout the country. Partial access to electronic data on central level,

    CEiDG – central countrywide electronic register containing partial data from about 2000 townhall registers of sole proprietorships (about 4 000 000).

    What is the debt collection process in Poland?

    sending mail and e-mail correspondence,

    repeated telephone contact,

    visit to the debtor’s office (under separate order/charge).

    Average length of time to collect a debt?

    100 days amicable collection, court collection – 1 year.

    Can late payment fees / interest to be added to claims?

    yes, 40 EUR /each receivable, more in justified cases; in case of court proceeding it is difficult to prove costs higher than 40 EUR.

    Details on legal service / process in Poland?

    court costs depend on the amount claimed,

    the duration depends on the complexity of the case, 3 months to few years.

    The unpaid invoices are often the reason of additional outlays for their service and liquidity problems. In practice, each outstanding debt negatively influences the financial result of the creditor. Our Polish Debt Recovery Service helps in recovering business (B2B) and consumer (B2C) debts.

    Debt collection – valuable service

    The amicable Polish debt collection service (pre-court) is a key element of the Polish debt recovery process. At this stage the most important aspect is the direct contact and persuading the debtor to repay the debt or to conclude a suitable settlement agreement.

    Conducting activities at an early stage of the Polish debt recovery process incurring and a strong emphasis on negotiations with debtors allows recovering a whole Polish debt or a large part of it without referring the matter to court.

    In case the Polish debt is not recovered with the means of amicable Poland debt collection, we will provide you the opportunity to refer the matter to court. The court Polish debt collection is conducted jointly with our law office. The initiation of the enforced Polish debt collection is preceded by court trial which aims to obtain the enforcement order enabling to refer the matter to court enforcement officer.

    Bad debt protocol

    Creditreform clients who cannot recover the receivables despite conducting our Polish debt collection services do not have to bear the total loss. We help our clients in assigning bad debts to deductible costs, where the cost of the Polish debt recovery is equal to or greater than its amount.

    Advantages of Polish debt collection led by Creditreform

    • collection of fees only in reference to successful cases
    • highly effective Polish debt collection
    • business and consumer Polish debt collection
    • use of economic information about the debtor accelerates recovery proceedings
    • applying the pressure on the debtor by using the WIN-WIN strategy (protecting the client-debtor relation)

    Poland Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. Total businesses registered in Poland is around 3.5 million. Through our online databases you can download Poland credit reports instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    Poland Tracing Agents

    Creditreform’s debt collection company service also uses expert local Poland tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Poland debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK Debt collector base only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

    Poland Debt Collection Offices in the following Polish Cities


    “We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
    Bryan de Beer, Phoenix Fragrances
    “Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
    Dean Lake, Lake Contracts
    “We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
    Anna Zhakrova, Catering Hygiene Specialists Ltd
    “I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
    Russell Hardwick, MSC Industrial