Debt collection in Poland - https://www.grandliga.com/en/debt-collection-in-poland/ - is governed by the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can enlist specialized debt collection agencies to recover debts using legal and ethical means. If informal methods fail, legal action can be pursued through the court system, where creditors can obtain a court order for debt repayment. Once a court judgment is secured, enforcement measures, such as asset seizure or bank account garnishment, may be employed. Consumer protection laws exist to safeguard debtors' rights, and interest rates and additional costs on overdue payments are regulated by law.