Terms of Service

Debt Recovery Poland · effective from 29 July 2026

1. Who we are

Debt Recovery Poland is a service of Krajowe Centrum Obsługi Długów sp. z o.o. with its registered office at ul. F. Nowowiejskiego 9/401, 10-162 Olsztyn, Poland, entered in the register of entrepreneurs of the National Court Register (KRS) under number 0001019984, NIP (tax ID) 7393980771, REGON 524614251 ("KCOD", "we"). Contact: office@debtrecoverypoland.com.

2. What these Terms cover

These Terms govern the use of the website debtrecoverypoland.com and the submission of business-to-business (B2B) claims for out-of-court and, optionally, court-stage recovery of monetary receivables from debtors located in the Republic of Poland. Our services are addressed exclusively to businesses (entrepreneurs); we do not provide services to consumers through this website.

3. Submitting a claim

• Submitting a claim through the website is free of charge and does not create a recovery mandate by itself.
• Every submission is assessed individually. We may accept or decline a claim at our discretion, in particular where documentation is insufficient, the claim is disputed in a way that prevents out-of-court recovery, the debtor is subject to insolvency proceedings, or acceptance would breach sanctions or anti-money-laundering rules.
• The minimum claim value is 120 EUR (or its equivalent). Claims below this threshold may be declined.
• Company identifiers provided by you are validated automatically, including verification in the EU VIES system where available. You are responsible for the accuracy of the information and documents you provide.

4. The recovery mandate

Recovery begins only after both parties sign the service agreement and power of attorney electronically. Until then, nothing is done on your behalf. The scope of the mandate, including publication of the claim in our public debt register, reporting of the debtor to the BIG InfoMonitor economic information bureau and, where instructed, preparation of court and enforcement proceedings in Poland, is set out in the agreement.

5. Fees

• The out-of-court stage is provided on a success-fee basis: the fee is a percentage of the principal actually recovered, calculated in degressive brackets from 18% to 6%, applied bracket-by-bracket. If nothing is recovered, no success fee is due.
• The statutory recovery-cost compensation under Polish law (40/70/100 EUR per invoice, art. 10 of the Act of 8 March 2013 on counteracting excessive delays in commercial transactions), where obtained from the debtor, constitutes our additional remuneration.
• Court and enforcement costs (court fees, stamp duties, enforcement advances) are agreed with you in writing before the court stage begins. The court stage never starts without your express instruction.

6. Payments and currency

Recovered amounts are transferred to the bank account you designate. Amounts recovered in Polish złoty may be converted and remitted in euro; conversion is based on published reference exchange rates, and the settlement details are stated in the agreement. Invoices are issued in accordance with Polish VAT law; for EU businesses the reverse-charge mechanism may apply.

7. Your obligations

• You warrant that the claim is due, assignable where the agreement so requires, and not subject to set-off, assignment to a third party or pending litigation you have not disclosed.
• You must inform us without delay of any payment received directly from the debtor, any contact from the debtor, and any circumstance affecting the claim.
• Payments made by the debtor directly to you after the mandate begins are treated as recovered amounts for fee purposes.

8. Data protection

We process personal data as an independent controller under the GDPR and Polish law, including the mandatory notification of debtors. Details are set out in our Privacy Policy.

9. Liability

We perform the services with due professional care. We do not guarantee recovery of any claim. To the extent permitted by law, our liability towards businesses is limited to damage caused intentionally or through gross negligence and capped at the total fees received by us in the given case. We are not liable for the debtor's insolvency or for consequences of inaccurate information provided by you.

10. Complaints

Complaints may be submitted to office@debtrecoverypoland.com. We respond within 14 days.

11. Governing law and jurisdiction

These Terms and the service agreements are governed by Polish law. Any disputes are subject to the jurisdiction of the Polish common court competent for our registered office, without prejudice to mandatory provisions of the law applicable to you. The English text of the agreement is provided for convenience; where a bilingual agreement so states, the Polish version prevails.

12. Changes

We may amend these Terms with effect for the future. The version in force at the time of your submission applies to that submission. The current version is always available at debtrecoverypoland.com/terms/.