Professional Debt Recovery Services in Poland by RK Legal

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Efficiently recovering debts is paramount for ensuring the smooth operation and financial stability of businesses. Unsettled debts can pose significant obstacles for companies, and collecting debts from foreign nations can be particularly challenging due to the varying legal frameworks in place. Fortunately, specialized firms offer invaluable assistance to entrepreneurs in this regard, helping to mitigate risks and expedite the debt recovery process. In this article, we will provide a comprehensive overview of the steps involved in debt recovery, delve into the obstacles faced by entrepreneurs, and underscore the advantages of utilizing professional debt recovery services. Additionally, we will stress the significance of exploring amicable settlements prior to resorting to legal action.

Key Steps in an Effective Debt Collection Process

Debt collection is a meticulous process that necessitates a well-defined action plan and strict adherence to specific phases. Below, we outline the fundamental steps essential for an efficient debt recovery process:

  1. Analysis and Evaluation: The initial step in debt recovery entails a comprehensive analysis of the situation. The creditor must scrutinize relevant documentation pertaining to the outstanding debt, encompassing agreements, invoices, and correspondence with the debtor. Furthermore, evaluating the debtor’s credibility and financial standing is imperative. This analysis forms the basis for the creditor’s subsequent decisions regarding the approach to debt recovery.
  2. Contacting the Debtor: Following a thorough analysis, it becomes imperative to establish contact with the debtor to grasp the reasons behind the delay and collaboratively explore potential resolutions. Communication can take various forms, including telephone calls, emails, written correspondence, or face-to-face meetings. Maintaining professionalism and displaying a willingness to cooperate are crucial during this phase, with the ultimate objective of finding a mutually satisfactory resolution.
  3. Negotiations and Payment Plan Agreement: In cases where the debtor expresses a willingness to repay the debt, negotiations should commence to determine the terms and a repayment schedule. Diverse options may be considered, such as installment plans, debt reduction, or deferred payment terms. The overarching goal is to identify a solution that benefits both parties and facilitates the repayment of the debt.
  4. Amicable Settlement: In scenarios where negotiations fail to yield results or the debtor exhibits no inclination to repay, professional debt collection agencies can step in. These agencies can initiate amicable debt collection actions on behalf of the creditor, which may entail activities such as sending payment reminders, initiating direct contact with the debtor, engaging in negotiations, and implementing other measures designed to incentivize debt repayment. The pursuit of an amicable resolution often proves effective due to the specialized knowledge and experience of debt collection agencies.
  5. Legal Proceedings: Should attempts to collect the debt through non-legal means prove unsuccessful, the next course of action may involve initiating legal proceedings. The creditor can file a lawsuit to obtain a court judgment mandating the debtor to repay the debt. The court will assess the case based on available evidence and render decisions regarding debt repayment, potential penalties, or interest. Legal action may become necessary if alternative debt recovery methods prove fruitless.
  6. Enforcement Proceedings: Following the acquisition of a court judgment, measures can be undertaken to enforce the debt through a bailiff. Enforcement may encompass actions such as the seizure of the debtor’s assets, freezing of bank accounts, wage garnishment, or other measures aimed at recovering the outstanding amount. The enforcement process can be administered by the court, a court bailiff, or a specialized enforcement agency.


Debt recovery is an all-encompassing process that demands the application of diverse strategies and actions. Fundamental phases, including analysis and evaluation, communication with the debtor, negotiations, payment monitoring, amicable debt collection, legal proceedings, and enforcement proceedings, enable creditors to effectively recover their debts.

About RK Legal

RK Legal is the only office in Poland that combines legal services for companies with comprehensive debt management. Our offering, based on these two pillars of activity, is complemented by RK RODO, a company specializing in personal data protection in the legal and IT fields.

RK Legal supports banks, loan institutions, leasing companies, securitization funds, and entities from the energy and telecommunications sectors in effectively recovering debts.

We handle both B2C and B2B debts, including those abroad.


Adv. Michał Rączkowski
Managing Partner, RK Legal

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