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 enlist the services of debt collection agencies to recover outstanding debts, following ethical practices and consumer protection laws. If informal methods fail, legal action through the court system is an option, but it can be time-consuming. Once a court judgment is obtained, enforcement measures such as asset seizure or bank account garnishment may be used. Interest rates and additional costs on overdue payments are regulated by law, with creditors entitled to claim interest on the outstanding debt.