Debt collection in Poland involves pursuing payments through legal means if informal methods fail. The process is governed by laws such as the Civil Code and the Act on Payment Terms in Commercial Transactions. Specialized debt collection agencies operate within the legal framework to assist in recovering debts. Court proceedings can be initiated if necessary, leading to the potential enforcement of debt repayment through measures like asset seizure or bank account garnishment. Consumer protection laws in Poland ensure that debt collection practices adhere to ethical standards and respect the rights of debtors.