A final payment order or judgment is only halfway there. If the debtor still does not pay, the money is recovered through a court enforcement officer. The good news for creditors: the debtor bears the costs of successful enforcement.
From judgment to enforcement officer
- The court grants an enforceability clause to the ruling, creating an enforceable title.
- An enforcement application identifying the obligation to be enforced is sent to the court enforcement officer.
- The enforcement officer identifies the debtor’s assets, including through enquiries to banks, ZUS (the Social Insurance Institution) and the tax office.
What assets can the enforcement officer recover the debt from?
- Bank accounts and receivables (such as amounts owed to the debtor by their business partners).
- Employment income, subject to statutory limits on deductions.
- Movable property (vehicles, machinery, stock) and real estate.
Enforcement costs: who pays?
When enforcement succeeds, the court enforcement officer collects the enforcement fee from the debtor along with the debt. The creditor may be asked to advance expenses (such as correspondence or asset valuations), which are also borne by the debtor if enforcement succeeds. Under PozwijGo, we may advance enforcement expenses for you.
What speeds up enforcement?
Everything you know about the debtor’s assets: account numbers from your past dealings, vehicles, warehouse addresses and their business partners. Such information can shorten enforcement by weeks.
We will handle it for you
From the enforcement application to contact with the enforcement officer’s office, everything is online, with case status available 24/7. You pay commission only on amounts actually recovered through enforcement.
This material is for information only (as at lipiec 2026) and does not constitute legal advice. We will assess your specific case after you submit it.
Do you have a case like this?
Submit it online: commission only on success, no upfront fees.*