What you pay
You pay a percentage of the money we actually recover. You will know the exact percentage before signing the agreement.
Debt recovery from 6%
Four tiers: you pay for the stage reached and the risk we take on
The further a case progresses and the more risk we take on, the higher the percentage. You always know why.
Stage 1
Amicable recovery
6–15%
For recent, undisputed receivables with documentation.
- Debtor check
- Demand for payment
- Negotiations without court
No court costs
Stage 2
Court route
10–30%
When the case requires the electronic court or resolution of a dispute.
- You advance the filing fee
- Lower commission
- Your filing fee is reimbursed if you win
You bear the filing fee and risk
Cost financing
PozwijGo.pl
0 zł upfront
25–35%
We advance the costs; you pay after recovery.
- We pay the filing fee and expert costs
- If you lose: you pay us 0 zł
- Opponent's costs: you pay
We bear litigation costs
Broadest scope
PozwijGo.pl Plus
including the opponent's costs
35–50%
We also cover the opponent's awarded costs.
- Everything in PozwijGo.pl
- If you lose: you pay 0 zł
- Extended eligibility assessment
We bear costs and KZP
Exactly what we take on
PozwijGo.pl
We advance the court fee, expert fees and enforcement officer's costs. You pay only from the amount recovered. If the case is lost, you do not repay our costs; you only bear any costs awarded to the opposing party by the court. Available subject to case eligibility assessment.
PozwijGo.pl Plus
Everything in PozwijGo, plus coverage of the opposing party's awarded costs. If you lose, you pay 0 zł. Available only through a fiduciary assignment: we take over the case as creditor and pursue it at our own cost, including difficult and older cases, following stricter eligibility checks. The highest commission reflects the broadest scope of service.
If you act as a private individual, the commission depends on the route used to handle your case. When acting on your instruction, commission will not exceed 35% of the amount recovered. Under an assignment (including PozwijGo Plus, where we take over the case as creditor and bear litigation costs), it will not exceed 40%. In both cases, you pay only from what we recover: no recovery means 0 zł, and under an assignment the receivable returns to you.
The basis depends on the route: when acting on instruction or under an assignment from an individual, our commission does not exceed half the amount actually recovered. For an assignment from a business, remuneration is calculated on the value of the receivable and does not exceed half of that value. This is a different basis, so do not compare these figures directly. We calculate commission on the principal plus interest. Awarded legal representation costs are excluded from this basis and are payable to us. They reimburse the case handling costs we incur.
How payments work
Step by step, in plain language
A court case involves two different bills. They are easy to confuse, so we explain everything clearly, including what happens if you lose.
Court fee (filing fee)
A fee paid to the state, payable at the outset to start court proceedings.If you win, the losing party reimburses it. This is not our commission.
Our commission
You pay it only from money we actually recover, never upfront.If we recover nothing, the commission is PLN 0.
- Stage 1: getting started
Court fee (filing fee)
A court fee, known as the filing fee, must be paid before the court can consider a case. This is a state fee, not our commission. Someone must advance it at the start: you or us (under the PozwijGo option). The amicable stage (demands, negotiations) requires no filing fee.
- Stage 2: judgment
The court decides who pays the costs
Polish court proceedings follow the principle of liability for the outcome (Article 98 of the Polish Code of Civil Procedure): the losing party reimburses the winner's litigation costs. These include the filing fee, expenses (e.g. experts) and the representative's fees under the official schedule.
- Stage 3: payment
The money goes to you
Once the debt is recovered, we deduct only our commission at the percentage agreed in the contract. Reimbursed litigation costs first cover expenses advanced (filing fee, experts); the rest is returned as agreed in the contract. If we recover nothing, our commission is 0 zł.
What are KZP (legal representation costs)?
KZP is the remuneration of a representative (legal adviser or advocate) for handling a case in court. The amount is not arbitrary: it comes from the official schedule (a regulation of the Minister of Justice) and depends on the amount in dispute, so it is known in advance. It works both ways:
- If you win: the court awards KZP against the losing party in your favour. The losing party finances the representative's work.
- If you lose: the court may award KZP to the opposing party under the same schedule. This is the “risk of the opposing party's costs” mentioned in our options. With PozwijGo Plus, we take it on.
Illustrative example: for a dispute over 20 000 zł, the minimum KZP rate under the schedule is 3 600 zł. The actual amount depends on the amount in dispute and the course of proceedings; the court may adjust it where justified.
Winning or losing: exactly what happens to the costs
If you win
- The debtor or insurer pays the principal plus interest.
- The court also orders them to reimburse litigation costs: the filing fee paid is returned in full.
- The losing party also pays KZP, the legal representation costs under the official schedule.
- Reimbursed costs first cover expenses advanced; the remainder is settled under the agreement.
If you lose
- No money is recovered, so no commission is due to us (success-based commission only).
- The court may order reimbursement of the opposing party's costs, primarily its KZP under the same official schedule, known in advance.
- Who bears these costs depends on the chosen option (comparison below).
- With PozwijGo Plus, we also take on this risk: losing costs you literally 0 zł.
Who advances the filing fee? It depends on the option
The more risk we take on, the higher the commission. You always know what you are paying for, and the exact figures are in the agreement.
Court debt recovery
10–30%
You advance the filing fee at the start
If you lose, you bear the litigation costs and the opponent's KZP. In return, you get the lowest commission, and if you win, the losing party reimburses your filing fee.
Opponent's KZP if you lose: you pay
0 zł upfront
Court debt recovery with PozwijGo
25–35%
We advance the filing fee; you pay 0 zł
If you lose, you do not reimburse our expenses (we bear the filing fee and expert costs). One risk remains with you: the opposing party's KZP, if awarded by the court.
Opponent's KZP if you lose: you pay
including the opponent's costs
Court debt recovery with PozwijGo Plus
35–50%
We advance everything
We assume the entire risk, including the opposing party's KZP. Losing costs you literally 0 zł. The highest commission reflects the broadest scope of service, but never exceeds half.
Opponent's KZP if you lose: we pay
The half rule: you always keep at least as much of the money recovered as we do.
We settle costs 1:1. What we never add
We recover expenses advanced at the amount we actually paid. We do not earn from costs; our earnings come solely from success-based commission.
- Interest on the costs we advance. PozwijGo is not a loan: there is no interest, principal instalments or BIK credit register entry.
- A markup on court fees, expert advances (including medical expert opinions) or bailiff costs. We settle them 1:1, against invoices.
- Fees for notarial acts, copies and translations above their actual cost.
- Hidden deductions from the amount recovered. Our only remuneration is the commission stated in the agreement.
What it costs
Transparent rates, no hidden costs
You pay success-based commission, solely on the amount actually recovered. The ranges are shown below; we agree the exact rate for your case in the contract.
Handled in the app
We handle your case in e‑PGW. The way you submit it and provide documents depends on the case type.
Debt recovery
Amicable 6–15%, court 10–30%, with court cost financing through PozwijGo 25–50%. Below 500 zł, we offer a fixed price (below).
from 6%
of the amount recovered
Consumer bankruptcy
From 3 900 zł. The price depends on case complexity (assets, number of creditors), not the debt amount. After the first stage, repay the rest in instalments of 500 zł, with no increase in the total fee. Up to 25% discount for people over 55. Court fee (30 zł) and bankruptcy trustee's remuneration excluded.
from 3 900 zł
service fee, payable in instalments
Handled outside the app
A legal adviser or consultant handles the case; contact is by phone and email.
Property damage compensation
Transferable claims (e.g. property damage, property liability insurance).
15–40%
of the amount recovered
Personal injury compensation
We state the monetary cap explicitly in the agreement. Choose any legal adviser or advocate for court representation.
15–35%
of the amount recovered, pre-litigation stage
Business bankruptcy
The scope depends on the business's size, number of creditors and state of its records, so we agree our organisational support fee individually and record it in the agreement before starting. You settle the independent law firm's or restructuring adviser's fee directly with them.
individual quote
after a free assessment
Restructuring
We agree our fee individually after assessing the business's situation and the selected proceedings, and record it in the agreement before starting. A licensed restructuring adviser acts as supervisor or administrator, and you settle their fee directly with them.
individual quote
after a free assessment
PozwijGo: we advance money for court (claim filing fee, experts, bailiff); you pay nothing upfront. We settle only from the amount recovered, and if you lose, you do not reimburse our costs.
PozwijGo Plus: in addition to proceedings costs, we cover the opposing party's awarded costs. Losing = you pay 0 zł. Available only with a fiduciary assignment. The highest commission for the broadest scope.
We charge commission only on the amount actually recovered, with no hidden deductions. The exact rate, calculation basis, monetary cap and cancellation terms are always explicit in the agreement. If we recover nothing, we charge no commission. Where your rate falls within the range depends on the case's difficulty: the age of the receivable and the evidence you provide. A recent, undisputed receivable with full documentation falls at the lower end of the range; an older case or one with incomplete documentation requires more work and risk, so the rate is higher. We provide the rate for your case before you sign. The basis depends on the route: when acting on instruction or under an assignment from an individual, our commission does not exceed half the amount actually recovered. For an assignment from a business, remuneration is calculated on the value of the receivable and does not exceed half of that value. This is a different basis, so do not compare these figures directly.
Not every case is suitable for commission-based handling
A success fee makes sense when there is money to recover and the amount can support it. Below that threshold, or if we do not accept a case for handling, you can buy an individual service at a price agreed in advance. You pay once and know exactly what you receive.
Demand with verification
100 zł
We check documents, establish the debtor's current details and send a demand for payment. One price known in advance, regardless of the debt amount.
Anyone, including cases below 500 zł.
Written prospects assessment
250 zł
We read the documents and respond in writing: how we assess recovery prospects and which route makes sense. You receive a specific recommendation, not generalities.
Anyone who wants to know before deciding.
Portfolio audit
1 500 zł
We review the portfolio, divide cases into recoverable now, recoverable later and no recovery prospects, and provide an action plan for each group.
Businesses with multiple receivables.
This is an assessment of recoverability and a recommended route, not legal advice: e‑PGW is not a law firm. Activities reserved to legal professionals are performed by a Polish legal adviser (radca prawny) or advocate (adwokat) of your choice.
What determines your rate within the range
The tiers are not arbitrary: we agree your specific percentage within a tier individually and record it in the agreement. Several factors influence it:
Claim amount
The higher the amount, the lower the commission percentage. Larger cases tend towards the lower end of the range.
Age of the debt and limitation period
A recent debt with complete documentation costs less to handle than a claim approaching the limitation deadline.
Multiple cases
We offer more favourable terms for a portfolio of several claims submitted together (typical for businesses) than for a single case.
Stage at resolution
Cases resolved amicably cost less than those requiring court proceedings and enforcement by a court enforcement officer.
Quality of documentation
Invoices, agreements, balance confirmations and correspondence reduce the work involved and lower the rate.
Stage and allocation of risk
Debt recovery from 6% in four tiers, up to PozwijGo Plus. Property damage claims 15–40%, personal injury compensation up to 35%.
What commission covers, and what we never add
A single success fee covers all case handling. There is no separate charge for every action.
Included in commission (no extra charge)
- Debtor checks and case analysis
- Payment demands and amicable negotiations
- Case handling and correspondence with the debtor
- Client dashboard and case status 24/7
- Calculation of interest and recovery cost compensation (B2B)
What we do not charge
- Registration or case-opening fees
- Subscriptions or monthly fees
- Commission if we recover nothing (PLN 0)
- Hidden deductions from the amount recovered
- Court fees upfront: in the PozwijGo tiers, we advance them
Example settlement
Debt recovered
PLN 20,000
amount actually recovered
Commission (e.g. 10%)
PLN 2,000
court proceedings tier (10–30%)
You receive
PLN 18,000
payment after commission is deducted
Illustrative example: the 10% rate is used solely for illustration (debt recovery from 6%, depending on the tier). If we recovered nothing, commission would be 0 zł. We agree the exact percentage for your case in the contract.
PozwijGo: court fees without cash upfront
PozwijGo
PozwijGo: we advance money for court (claim filing fee, experts, bailiff); you pay nothing upfront. We settle only from the amount recovered, and if you lose, you do not reimburse our costs.
PozwijGo Plus
PozwijGo Plus: in addition to proceedings costs, we cover the opposing party's awarded costs. Losing = you pay 0 zł. Available only with a fiduciary assignment. The highest commission for the broadest scope.
We charge commission only on the amount actually recovered, with no hidden deductions. The exact rate, calculation basis, monetary cap and cancellation terms are always explicit in the agreement. If we recover nothing, we charge no commission. Where your rate falls within the range depends on the case's difficulty: the age of the receivable and the evidence you provide. A recent, undisputed receivable with full documentation falls at the lower end of the range; an older case or one with incomplete documentation requires more work and risk, so the rate is higher. We provide the rate for your case before you sign. The basis depends on the route: when acting on instruction or under an assignment from an individual, our commission does not exceed half the amount actually recovered. For an assignment from a business, remuneration is calculated on the value of the receivable and does not exceed half of that value. This is a different basis, so do not compare these figures directly.
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.
FAQ
Frequently asked questions
If you have not found an answer, write to us and describe what you need.
Ask a question- What are the debt recovery commission tiers?
- Four tiers, depending on the case stage and who takes on the risk: amicable 6–15%, court 10–30%, with PozwijGo 25–35%, with PozwijGo Plus 35–50%. The higher the amount, the lower the percentage, and we never take more than half.
- How much does pursuing compensation cost?
- Property damage compensation: 15–40% of the amount recovered. Personal injury compensation (pre-litigation stage): up to 35%, with the upper limit stated explicitly in the agreement. No upfront fees; commission is payable only upon successful recovery.
- Are there any fixed fees?
- For consumer bankruptcy, we charge a service fee that can be paid in instalments. The package and schedule depend on the case's complexity; full amounts are in the price list above. Debt recovery and compensation have no joining fee; we charge based on success.
- Who pays court fees?
- It depends on the selected tier. Under the court option, you pay the filing fee (in return for lower commission); with PozwijGo, we advance it. With PozwijGo Plus, even losing costs you 0 zł, as we also take on the opposing party's costs.
Pricing in plain language
You pay only when we recover money
We charge no joining fee or subscription. If we recover nothing, the commission is 0 zł.
Five answers before you sign
Who advances the costs
In standard court debt recovery, you advance the fees. With PozwijGo.pl and PozwijGo.pl Plus, we advance the agreed costs.
What happens if you win
We first settle the agreed expenses and commission. The remaining money goes to you in accordance with the agreement.
What happens if you lose
With PozwijGo.pl, you do not repay our expenses. With PozwijGo.pl Plus, we also take on the agreed risk of the opposing party's costs.
What you sign
The agreement states the percentage, its upper limit, the scope of financed costs and cancellation terms. You can read it before deciding.
Choose your case's current stage
All four tiers come from the same price list. A higher rate means more work or risk on our side.
Stage 1
Amicable recovery
6–15%
For recent, undisputed receivables with documentation.
- Debtor check
- Demand for payment
- Negotiations without court
No court costs
Stage 2
Court route
10–30%
When the case requires the electronic court or resolution of a dispute.
- You advance the filing fee
- Lower commission
- Your filing fee is reimbursed if you win
You bear the filing fee and risk
Cost financing
PozwijGo.pl
25–35%
We advance the costs; you pay after recovery.
- We pay the filing fee and expert costs
- If you lose: you pay us 0 zł
- Opponent's costs: you pay
We bear litigation costs
Broadest scope
PozwijGo.pl Plus
35–50%
We also cover the opponent's awarded costs.
- Everything in PozwijGo.pl
- If you lose: you pay 0 zł
- Extended eligibility assessment
We bear costs and KZP
If you act as a private individual, the commission depends on the route used to handle your case. When acting on your instruction, commission will not exceed 35% of the amount recovered. Under an assignment (including PozwijGo Plus, where we take over the case as creditor and bear litigation costs), it will not exceed 40%. In both cases, you pay only from what we recover: no recovery means 0 zł, and under an assignment the receivable returns to you.
We charge commission only on the amount actually recovered, with no hidden deductions. The exact rate, calculation basis, monetary cap and cancellation terms are always explicit in the agreement. If we recover nothing, we charge no commission. Where your rate falls within the range depends on the case's difficulty: the age of the receivable and the evidence you provide. A recent, undisputed receivable with full documentation falls at the lower end of the range; an older case or one with incomplete documentation requires more work and risk, so the rate is higher. We provide the rate for your case before you sign. The basis depends on the route: when acting on instruction or under an assignment from an individual, our commission does not exceed half the amount actually recovered. For an assignment from a business, remuneration is calculated on the value of the receivable and does not exceed half of that value. This is a different basis, so do not compare these figures directly. We calculate commission on the principal plus interest. Awarded legal representation costs are excluded from this basis and are payable to us. They reimburse the case handling costs we incur.
Other services and prices
Not every service is charged on commission. Other payment arrangements are shown below.
How you submit your case and provide documents depends on the case type.
Property damage compensation
15–40%
Handled outside the app
of the amount recovered. Transferable claims (e.g. property damage, property liability insurance).
Personal injury compensation
15–35%
Handled outside the app
of the amount recovered, pre-litigation stage. We state the monetary cap explicitly in the agreement. Choose any legal adviser or advocate for court representation.
Consumer bankruptcy
from 3 900 zł
Handled in the app
service fee, payable in instalments. From 3 900 zł. The price depends on case complexity (assets, number of creditors), not the debt amount. After the first stage, repay the rest in instalments of 500 zł, with no increase in the total fee. Up to 25% discount for people over 55. Court fee (30 zł) and bankruptcy trustee's remuneration excluded.
Business bankruptcy
individual quote
Handled outside the app
after a free assessment. The scope depends on the business's size, number of creditors and state of its records, so we agree our organisational support fee individually and record it in the agreement before starting. You settle the independent law firm's or restructuring adviser's fee directly with them.
Restructuring
individual quote
Handled outside the app
after a free assessment. We agree our fee individually after assessing the business's situation and the selected proceedings, and record it in the agreement before starting. A licensed restructuring adviser acts as supervisor or administrator, and you settle their fee directly with them.
Fixed-price services
Here, you pay for the work performed rather than commission on the outcome.
Demand with verification
100 zł
We check documents, establish the debtor's current details and send a demand for payment. One price known in advance, regardless of the debt amount.
Who it is for: Anyone, including cases below 500 zł.
Written prospects assessment
250 zł
We read the documents and respond in writing: how we assess recovery prospects and which route makes sense. You receive a specific recommendation, not generalities.
Who it is for: Anyone who wants to know before deciding.
Portfolio audit
1 500 zł
We review the portfolio, divide cases into recoverable now, recoverable later and no recovery prospects, and provide an action plan for each group.
Who it is for: Businesses with multiple receivables.