Court debt recovery and enforcement of receivables for businesses
I handle court debt recovery from the payment demand to bailiff enforcement for companies with recurring receivables, lenders and financial institutions, debt funds and servicers, and property managers with rent arrears. I do not represent consumers and do not take on one-off small receivables. I combine proceedings with the firm's own LegalTech tools.
How court debt recovery works
Scope and order depend on the claim, the documents and the debtor's situation.
Case preparation
I analyse documents and data, then prepare the payment demand, which often leads to payment or a settlement without a court.
Electronic Writ-of-Payment Proceedings (EPU)
EPU, the e-court procedure, suits documented claims unlikely to be disputed, especially at volume. If the debtor objects, the e-court discontinues the proceedings and the creditor has three months to file the claim in ordinary proceedings while keeping the effects of the original filing; I then assess whether to continue. EPU covers claims that fell due within three years before filing.
Civil court proceedings
Disputed matters go to the ordinary civil court. I prepare the claim, represent you at hearings and keep track of deadlines.
Enforceability clause
Enforcement requires an enforcement title, that is an enforceable title with an enforceability clause. For EPU payment orders the court adds the clause of its own motion once the order is final; in other cases I file the motion. I handle this stage so enforcement can start without delay.
Bailiff enforcement and settlements
Enforcement of receivables begins with a motion to a bailiff. I monitor it, handle returns and discontinuances, and account for recoveries as agreed.
Status reporting
I report statuses in a format that suits your systems.
According to the law firm's internal statistics for 2025, in the consumer loan segment, payment orders were issued in more than 95% of matters filed in Electronic Writ-of-Payment Proceedings. The data concerns that specific segment and period; it is not a forecast of outcomes in other matters.
Who I handle debt recovery for
The firm is based in Warsaw, but I serve clients across Poland.
Companies with recurring receivables
Arrears appear regularly and need a steady process.
Lenders and financial institutions
Uniform templates, deadline control, predictable flow.
Debt funds and servicers
Owners and managers of NPL portfolios.
Property managers
Rent and service charge arrears.
I run an attorney's law firm. I represent you before the courts and bailiffs as your counsel, I am personally responsible for the matter, and information about it is covered by attorney-client privilege. I do not represent consumers and do not take on one-off small receivables.
Fee models
Monthly retainer
For entities with predictable, recurring matter flow.
Stage-based fee
Fees linked to procedural stages: EPU, court, enforceability clause and enforcement.
Hybrid / individual model
For large portfolios, restructuring projects and organizations with their own operational KPIs.
Technology in case handling
I use in-house tools for data import, document generation, EPU handling and reporting. Legal decisions remain with me.
Frequently asked questions
I also support large portfolios: NPL debt portfolios.