Debt collection in Poland operates within a legal framework defined by laws such as 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 owed payments. If informal methods fail, legal action can be pursued through the court system, where a judgment may be obtained for debt repayment. Enforcement mechanisms, such as asset seizure and bank account garnishment, exist to compel debtors to pay. Consumer protection laws outline debtor rights, and regulations specify the allowable interest and costs on overdue payments.