Guide: debt recovery without jargonMoney and legal matters. Where should you start?

Money has disappeared from your account. How do you report an unauthorised transaction?

If you see a payment you did not order or consent to, contact your bank immediately through its official channel. Secure access to your account and report the unauthorised transaction. Do not wait for the police investigation to end or for every attachment to be collected before notifying the bank.

Cryptocurrency fraud: what should you do when a platform will not release your money?

If a supposed investment platform blocks withdrawal and demands further transfers for tax, verification or unlocking a wallet, stop paying. Contact your bank, preserve transaction history and report a suspected crime. A promise to recover the full amount after one last payment is a warning sign.

Online fraud: what to do after a transfer, BLIK payment or sharing data?

After suspected fraud, first limit further losses: stop contact with the perpetrator, contact your bank and secure your accounts. Then preserve evidence and notify law enforcement. Reporting a suspicious website to CERT Polska helps limit the threat, but does not replace a bank complaint or crime report.

Heat pumps and solar panels: complaints, additional charges and advance-payment refunds

An additional charge, faulty fitting or no installation despite an advance payment? Where to start and what UOKiK's action means.

How to recover payment on an unpaid invoice, step by step

The process from a demand for payment, through the e-court, to enforcement by a court enforcement officer, and what you can do today.

EUR 40/70/100 compensation for debt recovery costs (B2B)

Flat-rate compensation for recovery costs in commercial transactions is a statutory entitlement.

What debt recovery costs and how success-based commission works

Transparent commission ranges, how success fees and PozwijGo work, with no hidden costs or registration fees.

Limitation periods: when invoices and debts become time-barred

Limitation periods for invoices and claims, what interrupts the period and why time works against the creditor.

Compensation after an accident: what you can claim from the insurer

The full list of claims after an accident, from compensation for pain and suffering to periodic payments, and why the first payout may be too low.

How to calculate late-payment interest

Statutory interest versus interest in B2B commercial transactions: which rate applies and how to calculate the amount.

A demand for payment: what it needs to be effective

The elements of an effective demand, payment deadline, interest and compensation, and when to send a second letter or move forward.

E‑court (EPU): how electronic order-for-payment proceedings work

When a case is suitable for the e-court, the fee, what a payment order looks like and what happens if the debtor objects.

Enforcement from the creditor’s perspective: how to recover money after a judgment

An enforceable title, an enforcement application, which assets the officer can recover the debt from and who ultimately bears enforcement costs.

How to recover money from a private individual: loans, sales and rent

Private debts can also be recovered: how to document them, demand payment and proceed through the e-court and a court enforcement officer.

A company will not return your security deposit or advance payment? Here is how to recover your money

Security deposits and advance payments are your money held by someone else, so if a business delays returning them, you have a clear recovery route.

Trade credit insurance: when it really pays and when it costs too much

Who benefits from trade credit insurance and who does not, what it usually excludes and what to ask before taking out a policy.

A repayment plan after bankruptcy: what to do if money suddenly runs short

If you run out of money during a repayment plan, the court may amend it. We explain when this is possible and how to act in time.