Debt collection in Poland is regulated by laws such as the Civil Code and the Act on Payment Terms in Commercial Transactions. Businesses and individuals can enlist the services of specialized debt collection agencies to recover outstanding debts. Legal action through the court system is an option if informal methods fail, though this process can be time-consuming and involve legal costs. Once a court judgment is obtained, enforcement measures, such as asset seizure or bank account garnishment, can be employed to compel repayment. Poland also has consumer protection laws in place, ensuring ethical debt collection practices and outlining debtor rights.