PGW, Polska Grupa Wierzytelności sp. z o.o.My account

Your case under control, from submission to conclusion.

e‑PGW is Polska Grupa Wierzytelności's portal for individuals and businesses. Submit your case from your phone in a few steps, sign the agreement in your preferred way, and track the status as it changes, without calls or “we will call you next week”.

  • Since 2013 rokuin business
  • Over 3 000cases entrusted to us
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e-pgw.pl
Hello,Jan Kowalski 👋
Why choose us
HomeCasesChatAccount

Have a loan or credit agreement? Have it reviewed.

Do you have credit in złoty, Swiss francs, euros or dollars? Currency alone does not determine your options. Start with an assessment of your agreement.

Not every agreement qualifies for the free credit sanction. Mortgage and foreign-currency loans may require a different route. Grounds for claims and deadlines require an individual assessment.

Open the cost calculatorThe calculator is optional. It adds up costs in PLN. It does not calculate a guaranteed refund.

Kraków, 1587

An interest-free loan? History offers an example.

Kraków's Bank Pobożny offered interest-free loans against collateral. Discover the history of this institution.

Discover the history of Bank Pobożny

Topic 1 of 3

How can we help?

Choose an option and we will show you the right route

We help individuals and businesses. Choose your case type or ongoing support and we will take care of the rest.

I am a private individual

Compensation, recovering money (loans, rent, sales) and consumer bankruptcy. Submit your case.

Cases for individuals

I have a business case

B2B debt recovery, property damage compensation, business bankruptcy and restructuring. Submit your company's case.

Solutions for businesses
Who it is for

What we do

Choose a category and the system will guide you through the relevant questions, documents and agreement. Your case goes straight to the team responsible for that area.

Personal injury compensation

Road accidents, medical errors and ZUS: we pursue compensation for non-material harm and reimbursement of treatment costs.

  • Road accidents
  • Medical errors
  • Workplace accidents

Individuals

Property damage compensation

Vehicle and property damage, undervalued OC/AC assessments; commission of 15⁠–⁠40% of the amount recovered.

  • Vehicle damage claims
  • Damage to business property
  • Undervalued OC/AC assessments

Individuals and businesses

Debt recovery

We recover overdue debts through amicable settlement, court proceedings and bailiff enforcement; success-based commission from just 6%.

  • Demands for payment
  • Court claims / EPU
  • Enforcement proceedings

Individuals and businesses

Consumer bankruptcy

A way out of the debt cycle for individuals: comprehensive support, from assessment to debt relief.

  • Eligibility assessment
  • Compiling documents
  • Repayment plan

Individuals

Business bankruptcy

Business insolvency: we establish when it arose, gather documents and guide you through the application.

  • Insolvency assessment
  • Deadlines and management board risk
  • Application and documentation

Businesses

Restructuring

An arrangement with creditors instead of bankruptcy, for businesses that are insolvent or at risk of insolvency.

  • Business viability assessment
  • Choosing the proceedings
  • Recovery plan and arrangement

Businesses

Interest calculator

Check the estimated interest on an invoice or loan as at the calculation date.

Interest type

Rates verified on 25.09.2026: Civil Code interest according to ZUS, commercial interest according to M.P. 2026, item 642.

Result based on the rates applicable in each period.

Example calculation for 10 000 zł

Estimated total interest as at 2026-10-23
76,03 zł
30 dni late · 9.25% per year
Daily increase
+ 2,53 zł
at the current rate
Weekly increase
+ 17,74 zł
7 days
Monthly increase
+ 76,03 zł
~30 days
Principal amount: 10 000,00 PLN. 30 dni from the payment deadline. Stawka: 9.25% per year. Indicative calculation (estimate) — not legal advice. The final interest amount depends on the circumstances of the case and the applicable rates.
How B2B debt recovery works
Why e‑PGW

Handle your case without queues, paperwork or travel.

We combine the experience of receivables and compensation specialists with convenient online service. We encrypt your data and control access to your case.

No visits to our office

Your agreement, power of attorney, documents, letters and status are all in the portal, wherever you are in Poland. You know about hearings or expert examinations in advance.

Case status 24/7

No more waiting for a callback. Every action in your case is recorded in the portal, with push notifications in the app. See letters and deadlines as soon as you sign in.

Data security and confidentiality

GDPR compliance, encryption and data isolation for every case. The Privacy Policy describes service locations and transfer rules.

No upfront fees, % of recovery

In compensation and debt recovery cases, our fee is calculated on the amount actually recovered. No joining fee or subscription.

A team of experienced specialists

Your case is handled by debt recovery and compensation specialists, economists, underwriters and valuers, with full confidentiality at every stage.

Dedicated case manager

Every case has an assigned case manager, so you do not speak to someone different each time. Contact them through portal chat or call our helpline.

Google reviews

What people we have helped say

See what clients have written about working with us on our Google profile.

Reviews come from our public Google profile and are published in their original wording, with surnames shortened to initials. We do not collect them ourselves or verify the authors' identities; Google handles verification. See the full, unfiltered list on our profile.

Fantastic service, an individual approach and a kind, friendly atmosphere. I recommend Mr Grzegorz 100%. My case was handled smoothly and everything was discharged. Words cannot express how pleased I am. I recommend this company to everyone; several people have already used them on my recommendation and everyone is happy, with their cases resolved positively.
Gabriela C.Google review · Local Guide
Professionalism in every respect. The company guided me through complex bankruptcy procedures without unnecessary stress. I really appreciate the regular contact and clear explanation of each stage. Everything was done on time and as agreed. Thank you for a second chance and peace of mind!
Anna G.Google review · Local Guide
I would like to sincerely thank PGW for handling my case professionally and achieving a positive outcome. From the start, I could count on their commitment, reliability and persistence. The final result fully met my expectations. My particularly warm thanks go to Natalia.
wiola2290Google review
Reliability, good communication and commitment are how I would describe PGW. Thanks to their sincere interest in my case, the insurance matter went quickly and smoothly, and I was kept well informed at every stage.
Wojciech P.Google review
The company helps you obtain good compensation. You need patience, but it brings substantial returns. It helps with rehabilitation and access to specialists. I used their services and am satisfied.
Sara K.Google review · Local Guide
An extremely reliable company. Fantastic approach to clients. Working with Mr Grzegorz was a very positive experience. I recommend this company 100%.
Krystian G.Google review
I can wholeheartedly recommend them. They recovered a debt very quickly and efficiently after I had spent months trying to get my client to pay.
Damian K.Google review · Local Guide
I highly recommend the company: constant contact with the person handling the case.
KwiatekGoogle review
I recommend them wholeheartedly. Professionalism all the way.😍😍😍...
Ewelina G.Google review
View all Google reviews
e‑PGW app

Submit your case from your phone in a few steps

Submit your case by phone, with no office visit or printouts. Attach documents as photos or PDF files.

  1. Step 01
    Install the app

    Open e‑pgw.pl in your phone's browser and select “Add to Home Screen”. Works on Android and iPhone, with no app store needed.

  2. Step 02
    Create an account

    Enter your email address and confirm your account using a 6-digit code or the link in the email. You are ready to submit your case.

  3. Step 03
    Add a case

    For debt recovery, take a photo of the invoice or upload a PDF. Check the extracted information, then submit your case.

  4. Step 04
    Track progress

    Receive push notifications whenever the status changes. The app includes a chat with your case manager and a downloadable PDF of your agreement.

  • Scan a receipt, invoice or demand for payment; OCR fills in the form
  • Push notifications for every status change (without message content, in line with GDPR)
  • All your agreements and letters in one place
  • Chat with your case manager, with your conversation history saved
How to install

Works as a web app (PWA) on iPhone and Android: install it directly from your browser, with no app store needed. App Store and Google Play versions are in development. On a computer, sign in through your browser without installing anything.

9:41e‑PGW
Hi, Anna
Your cases
SP-2026-0042
Third-party liability compensation
In court
WIN-2026-0011
Debt recovery FV/2025/441
Payment demand
UPK-2026-0003
Consumer bankruptcy
Assessment
Scan the document and we will fill in the rest
New in the app

Your AI assistant, available 24/7

Check what is happening with your case without waiting for a call. The assistant uses the statuses and payment records shown in your account, explains each stage in plain language and helps you prepare questions for your case manager. Paste a passage from a letter if you would like to understand it better.

  • Explains the status

    Explains the stage of your case using the information shown in your account.

  • Sets out the next steps

    Explains what steps usually follow, without promising a timeframe or outcome.

  • Helps you understand a letter

    Paste a passage to identify key information and questions for your case manager.

  • Available 24/7

    You can ask questions outside office hours too.

AI provides support, while our team approves letters and decisions in your case. The assistant runs on Microsoft Azure OpenAI. The rules for processing your data and your rights are explained in our Privacy policy.
e‑PGW Assistant
● online 24/7
What stage is my case at?
Your account information shows the status: court proceedings (first instance). I do not have a confirmed hearing date. If you have received a new letter, paste an extract or contact your case manager through Chat.
What is happening with my case now?What does the passage from the letter I paste mean?What steps usually come next?How many payments have I received?

Example conversation. The answer depends on the information available for your case.

VAT invoice
FV/2025/000441
Gross amount
12 480,00 zł
Due date
14.04.2025
NIP detected
123-456-78-90
Amount
12 480,00 zł
Done
Case created
Document scan

Scan an invoice or document and the system does the rest automatically

You do not fill in forms by hand. Take a photo in the app, and our system automatically extracts key information and organises your case. The document stays in the digital case file and the information goes into the relevant fields.

Take a photo

Invoices, demands, policies, receipts, ZUS decisions and court correspondence.

OCR + AI

The system extracts dates, amounts, NIP tax numbers, case numbers and parties to proceedings.

An organised case

Information goes into form fields and the document goes into the digital case file.

Faster than manual entry

Check the extracted information and fill in anything missing before submitting.

We recognise documents including VAT invoices, receipts, demands for payment, orders for payment, third-party liability policies, ZUS/KRUS decisions without health information and court orders.

Do not submit medical documentation or health information through the public form. For a personal injury compensation case, leave your contact details; the team will agree a secure way to handle the next steps.

PozwijGo · financing court costs

PozwijGo may cover proceedings costs

Lack of funds for a claim filing fee, expert witness or bailiff does not have to prevent you from pursuing a claim. PozwijGo is our arrangement under which, once your case qualifies, we finance these costs upfront and settle from the amount recovered.

  1. 01
    We assess your case's prospects

    We check free of charge whether the claim has a basis, its estimated value and how long proceedings may take.

  2. 02
    We finance the costs

    Once the case qualifies, we pay the claim filing fee, court fees, expert advances and bailiff costs from our budget.

  3. 03
    You pay only after recovery

    We settle from the amount recovered; if the case is unsuccessful, you do not reimburse the costs we incurred.

What PozwijGo covers
  • Claim filing fee and court fees
  • Advances for court-appointed experts
  • Filing fees, administrative fees and certified translations
  • Bailiff advance in enforcement proceedings

Claim filing fee: 5% of the amount in dispute for claims over 20 000 zł; in the electronic court/EPU, 1,25%; maximum 200 000 zł.

Your protection
  • If you lose, you do not reimburse our costs
  • Settlement after recovery
  • Written PozwijGo agreement: full transparency
  • The court awards reimbursement of costs against the losing party

Exception: you may incur the opposing party's costs awarded by the court. Ask us for details before deciding.

Ask about PozwijGo

PozwijGo is available for selected compensation and debt recovery cases once the case qualifies. Contract terms agreed individually.

Benefits

What you get with e‑PGW

Everything you need to handle your case online, transparently and without hidden costs.

For individuals
  • Free preliminary case assessment
  • Success-based commission, no joining fee*
  • Court fees with PozwijGo, subject to eligibility
  • Specialist support at every stage
  • App with history and notifications
For businesses
  • Free preliminary assessment for sole traders and companies
  • Bulk submissions via CSV / API
  • Portfolio dashboard and reports for accounting
  • Dedicated account manager
  • VAT invoices and discounts for ongoing cooperation
For everyone
  • Online service, with no office visit needed
  • Interest-free PozwijGo, subject to eligibility
  • Data protection · app hosted on Azure
  • Full confidentiality for your case and personal data
  • Taking over a case being handled elsewhere

GDPR compliance; hosting with ISO 27001-certified providers (list and locations in the subprocessor register).

New in Poland

View your case before it reaches a court enforcement officer

Our standard practice: if the case concerns your debt, you do not have to wait for a registered letter. You receive access to your account in the e‑PGW portal and see how your case is actually progressing towards court. This lets you make an informed decision whether to incur additional proceedings costs or repay voluntarily, which speeds up recovery and reduces your expenses.

Exactly what you can see
  • Current debt balance (principal + interest + costs)
  • Case stage: demand → claim → judgment → enforcement
  • A comparison of what you would pay voluntarily and after a judgment including costs
  • An option to propose a repayment plan or settlement in 1 click
  • Chat with your case manager, without queues or helpline calls
Learn moreContact us

This feature complies with GDPR and the debtor's right to information. Access is limited to your case.

Full transparency

See exactly what stage your case is at, which documents have been filed with the court and when to expect a hearing.

An informed decision

Decide for yourself whether to avoid additional court and enforcement costs or defend your case in court. The decision is yours.

Voluntary agreement

If you want to settle your debt, we propose a repayment plan, often without penalty interest, court enforcement or an entry in the KRD debt register.

A substantially shorter process

Voluntary repayment closes a case in weeks rather than years. Lower costs for you and faster recovery for the creditor.

See how we could handle your case.

A short consultation is free and carries no obligation. Tell us what happened and we will make an initial assessment of your prospects and explain possible outcomes and next steps.

Contact us

Your debtor is playing for time. Recover money owed to you with no upfront fees.*

e‑PGW is Polska Grupa Wierzytelności's portal for individuals and businesses. Submit your case online and track every step 24/7.

How it works
You pay after recovery GDPR compliance Data encryption
  • Since 2013 rokuin business
  • Over 3 000cases entrusted to us

Have a loan or credit agreement? Have it reviewed.

Do you have credit in złoty, Swiss francs, euros or dollars? Currency alone does not determine your options. Start with an assessment of your agreement.

Not every agreement qualifies for the free credit sanction. Mortgage and foreign-currency loans may require a different route. Grounds for claims and deadlines require an individual assessment.

Open the cost calculatorThe calculator is optional. It adds up costs in PLN. It does not calculate a guaranteed refund.

Kraków, 1587

An interest-free loan? History offers an example.

Kraków's Bank Pobożny offered interest-free loans against collateral. Discover the history of this institution.

Discover the history of Bank Pobożny

Topic 1 of 3

The scale of the problem in Poland

84%

of SMEs face payment backlogs

64 days

lost each year by the average business on debt recovery

100+ billion zł

annual cost of payment backlogs to Polish businesses

+17,7% r/r

increase in business insolvencies in 2025 (a record)

Three steps; we handle the rest

01

Add a case

Upload an invoice or document from your phone or computer. Check the information extracted by OCR.

02

We take action

Demands, negotiations, entry in a debtor register (where statutory conditions are met), court and enforcement. Reserved activities are performed by an authorised representative, while you track progress online.

03

We recover

The money comes back to you. Our fee depends on results: you pay our commission only on the amount recovered.

For businesses

Unpaid invoices, payment backlogs, B2B debt recovery and debtor monitoring, plus business bankruptcy and restructuring in cases of insolvency. A full portal for multiple cases and documents.

Solutions for businesses

For individuals

Compensation, recovering money (loans, rent, sales) and consumer bankruptcy. A simple app, contact with your case manager and a clear status.

Solutions for individuals

How much do you lose each day?

Interest calculator

Enter the amount and payment due date to see how much interest has accrued and how much is added daily.

Accrued interest (30 days)

76,03 zł

2,53 zł per day · current rate 9.25% per year

Weekly17,74 zł
Monthly76,03 zł

Indicative calculation (estimate) — not legal advice. The final interest amount depends on the circumstances of the case and the applicable rates.

No manual copying

Take a photo of the invoice and the system will read the rest

OCR + AI automatically extracts information from documents: amounts, dates, NIP tax numbers and parties to agreements. Check the extracted information and complete your submission.

VAT invoices, bills and demands for payment
Court orders and judgments, bailiff correspondence
ZUS/KRUS decisions without health information
OC/AC policies, agreements and powers of attorney

Do not submit medical documentation or health information through the public form. For a personal injury compensation case, leave your contact details; the team will agree a secure way to handle the next steps.

01

Take a photo

An invoice, order, policy: whatever you have

02

OCR + AI

The system extracts key information in seconds

03

Case ready

Information goes into the correct form fields

04

Track the status

Every step visible online, 24/7

PozwijGo: financing court costs

Cannot afford the court fee? PozwijGo covers the costs.

Lack of funds for a claim filing fee, expert witness or bailiff should not prevent you from pursuing a valid claim. We finance costs upfront and settle only from the amount recovered.

What PozwijGo covers

Claim filing fee (usually 5% of the amount in dispute)
Advances for court-appointed experts
Administrative and court fees
Bailiff advance for enforcement
Certified translations

Your protection

PozwijGo agreement: full transparency
Settlement only after results
Unsuccessful case = no costs to repay
Costs awarded by the court against the losing party

Exception: you may incur the opposing party's costs awarded by the court. Ask us for details before deciding.

PozwijGo is available for selected compensation and debt recovery cases following a free case assessment. Terms agreed individually.

What you get with e‑PGW

Everything you expect from a good partner in your case, plus a few things others do not yet offer.

For individuals

  • Free preliminary assessment within one business day of a complete submission
  • Fee payable only on success
  • PozwijGo covers court costs
  • An advocate or legal adviser of your choice represents you
  • Mobile app, history available 24/7
  • Notifications whenever the status changes

For businesses

  • Bulk case submissions (CSV / API)
  • Case portfolio dashboard
  • Monthly reports for accounting
  • VAT invoices for our services
  • Dedicated business account manager
  • Discounts for ongoing cooperation

For everyone

  • Online, with no visit to our office
  • Reserved activities performed by an authorised representative of your choice
  • Data protection · app hosted on Azure
  • GDPR compliance; hosting with ISO 27001-certified providers (list and locations in the subprocessor register)
  • Professional confidentiality protected
  • Option to take over a case previously handled elsewhere

You pay after recovery

Success-fee model: remuneration based on results.

Online 24/7

Your case, documents and status always to hand.

GDPR + encryption

Protected data and legal compliance.

A person handles your case

A real team of specialists, not a bot.

Mobile app

Your case in your pocket: status 24/7, documents and chat with your case manager.

Submit your case from your phone in minutes. No office visit, printouts or paperwork. Just take a photo of the document and the system handles the rest.

Document scan → OCR fills in the form
Push notifications whenever the case status changes
Chat with your case manager, with history saved
All your agreements and documents in one place

iPhone and Android

Open e-pgw.pl in your mobile browser and add it to your home screen. No app store installation is needed.

Start your case today.

Submit your case for free and find out what you can claim. No obligation or starting fees.*

Talk to us

Market data (SME payment backlogs, costs, insolvencies in 2025), industry reports (including MyCompanyPolska, CRN, PAP Biznes). Figures are indicative and illustrate the scale of the problem.

FAQ

Frequently asked questions

If you have not found an answer, write to us and describe what you need.

Ask a question
What does e‑PGW's help cost?
You pay only on what we actually recover, with success-based commission from just 6%. No joining fee, and if we recover nothing, you pay nothing. Full tiers are on the Pricing page.
What cases do you handle?
Debt recovery, compensation and consumer bankruptcy. Criminal, civil and inheritance cases, as well as business bankruptcy and restructuring, are handled by independent law firms; the choice of representative is entirely yours. A legal adviser or advocate of your choice represents you in court.
Do I need to visit the office?
No. Submit and manage your case in the e‑PGW app, scan documents with your phone, sign the downloaded agreement PDF with a free trusted signature through mObywatel albo by hand on paper and send it back, and track the status 24/7.
How do I submit a case?
Create an account, choose a category and answer a few questions. We will make a preliminary assessment within one business day of a complete submission and explain possible outcomes.