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 payments. If informal methods fail, creditors can pursue legal action through the court system, with enforcement measures available upon obtaining a court judgment. Consumer protection laws outline debtor rights, requiring ethical practices from debt collectors. Interest and additional costs on overdue payments are regulated by law, with creditors entitled to claim interest on the outstanding debt.