JURISDICTION FILE
Poland's Elektroniczne Postępowanie Upominawcze (EPU) is a fully digital payment order system. File online. Court reviews within days. If the debtor does not oppose within two weeks, you hold a Nakaz Zapłaty — an enforceable title, issued without a single hearing. Poland built a fast lane for creditors. We know how to use it.
HOW WE COLLECT HERE
"Na podstawie art. 505¹-505¹⁴ Kodeksu postępowania cywilnego, Sąd Rejonowy Lublin-Zachód w Lublinie nakazuje pozwanemu, aby w ciągu dwóch tygodni od doręczenia niniejszego nakazu zapłacił powodowi kwotę PLN ██.███,██ wraz z odsetkami ustawowymi za opóźnienie w transakcjach handlowych."
Poland is Central Europe's largest economy and a major B2B trading partner for firms across Western Europe, Scandinavia, and the UK. The opportunity: a fast, digital enforcement system that processes hundreds of thousands of payment orders annually. The challenge: a legal framework that operates entirely in Polish.
Polish debt collection operates under the Kodeks Cywilny and the Kodeks Postępowania Cywilnego (KPC). Statutory interest on commercial transactions runs at the NBP reference rate plus 10 percentage points — significantly above Western European averages.
Art. 505¹-505¹⁴ KPC · NBP rate + 10pp
Elektroniczne Postępowanie Upominawcze — fully digital payment order. 75% reduced fees. Statutory interest at NBP reference rate + 10 percentage points.
The EPU is administered by the e-Court in Lublin, handling claims of any value through a fully electronic platform. Filing fees are reduced by 75%. The debtor has 14 days to file a Sprzeciw (objection). If no objection is filed, the Nakaz Zapłaty becomes final and enforceable.
For foreign creditors, the EPU is transformative. However, the filing must be in Polish, with the debtor's NIP or REGON number. Our Poland desk handles EPU filings daily.
EPU
Digital payment order
Filed online at e-Sąd Lublin. 75% fee reduction. Nakaz Zapłaty without hearing.
POSTĘPOWANIE NAKAZOWE
Order for payment
For signed documents, Weksel. Debtor must deposit full claim to object.
KOMORNIK
Bailiff enforcement
Privatised, competitive. Bank seizure, wage garnishment, asset auction. 10% fee to debtor.
WEKSEL
Promissory note
Still powerful in Poland. Automatic Postępowanie Nakazowe. Near-automatic enforcement.
The Polish Komornik system was reformed and privatised, creating a competitive enforcement market. Komorniks have broad powers: bank account seizure, wage garnishment, seizure of receivables, and forced sale of assets. The creditor can choose any Komornik in Poland.
JURISDICTION BRIEFING
How InterStation collects in Poland — a 90-second briefing
The Weksel (promissory note) remains powerful in Polish commercial practice. A Weksel in Blanco, properly issued, entitles the creditor to Postępowanie Nakazowe with the debtor required to deposit the full claim to object. If your contract includes a Weksel, enforcement is almost automatic.
The Komornik's fee — typically 10% of the recovered amount — is charged to the debtor. The creditor's enforcement costs are largely borne by the debtor. They are paying for their own enforcement.
Zajęcie Rachunku Bankowego
Bank account seizure — immediate freeze.
Zajęcie Wynagrodzenia
Wage garnishment via employer.
Licytacja
Forced asset auction conducted by Komornik.
KRD (Krajowy Rejestr Długów)
National debtor register — destroys credit.
ENFORCEMENT PROTOCOL
In Polish, from a Polish address, citing specific KPC articles. The debtor knows this is not a foreign creditor guessing.
DAY 0: Wezwanie do Zapłaty. In Polish, from a Polish address, citing specific KPC articles. The debtor knows this is not a foreign creditor guessing.Filed electronically at the e-Sąd Lublin. Court reviews. Nakaz Zapłaty issued without hearing. 75% reduced fees.
DAY 14: EPU Filing / Nakaz Zapłaty. Filed electronically at the e-Sąd Lublin. Court reviews. Nakaz Zapłaty issued without hearing. 75% reduced fees.14 days to object. No objection? The court appends the Klauzula Wykonalności. The Komornik receives the file.
DAY 28: Tytuł Wykonawczy (Enforceable). 14 days to object. No objection? The court appends the Klauzula Wykonalności. The Komornik receives the file.Bank accounts seized. Wages garnished. Assets auctioned. The Komornik's fee (10%) is charged to the debtor.
DAY 35+: Komornik Enforcement. Bank accounts seized. Wages garnished. Assets auctioned. The Komornik's fee (10%) is charged to the debtor.In Polish, from a Polish address, citing specific KPC articles. The debtor knows this is not a foreign creditor guessing.
DAY 0: Wezwanie do Zapłaty. In Polish, from a Polish address, citing specific KPC articles. The debtor knows this is not a foreign creditor guessing.Filed electronically at the e-Sąd Lublin. Court reviews. Nakaz Zapłaty issued without hearing. 75% reduced fees.
DAY 14: EPU Filing / Nakaz Zapłaty. Filed electronically at the e-Sąd Lublin. Court reviews. Nakaz Zapłaty issued without hearing. 75% reduced fees.14 days to object. No objection? The court appends the Klauzula Wykonalności. The Komornik receives the file.
DAY 28: Tytuł Wykonawczy (Enforceable). 14 days to object. No objection? The court appends the Klauzula Wykonalności. The Komornik receives the file.Bank accounts seized. Wages garnished. Assets auctioned. The Komornik's fee (10%) is charged to the debtor.
DAY 35+: Komornik Enforcement. Bank accounts seized. Wages garnished. Assets auctioned. The Komornik's fee (10%) is charged to the debtor.FREQUENTLY ASKED
Need to collect a debt in Poland? Contact us with your case details and we will confirm our approach within 24 hours.
Free Assessment →