Debt collection in Poland is governed by laws such as the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies operate within this legal framework to recover outstanding debts through various means. If informal methods fail, creditors can pursue legal action through the court system, leading to a court judgment. Enforcement measures, such as asset seizure or bank account garnishment, can be employed to compel debtors to pay. Poland's consumer protection laws outline debtor rights, and creditors are entitled to claim interest on overdue payments, with the specifics varying based on the nature of the debt.