Debt collection is usually difficult and long-lasting. Natural persons or companies, who are in debt, may avoid repaying debts or may not have enough funding to cover them. In such case, a collection agency or law chambers can provide help.
Debt collection usually begins with procedures which are to repayment in a pre-judicial way. The first step is the Demand of payment submitted by the creditors themselves, collection agency or a solicitor. Documents prepared by experienced solicitors are more effective, particularly when the debtor intends to avoid judicial proceeding.
If the demand is not successful, pleading for repayment or assignment of the claim – selling the debt at a part of its value – can be effective. Come collection agencies specialise in buying debts. Assignment of the claim means transfer of enforcement of the debt on the buyer. In this way the creditor may avoid the cost of recovery and of judicial procedures.
Court procedures
If the creditor decides to begin legal proceeding, protection of the debtor’s assets, which is vital, can be carried out by a lawyer so that the debtor cannot dispose of their assets or transfer it to another person. Legal proceeding can be carried out as prescriptive proceedings, proceedings by writ of payment, as ordinary or summary proceedings if the sum of debt is not high.
After court issues the payment order, a bailiff or collection agency carry the process of debt execution out. If the debt still cannot be recovered, after judicial proceedings, the debtor can be inserted on the national register of debtors.
Corporate Law Advisers Firm offer various services within recovery of debts, but also protection of debtors against debt collection without foundation. We offer legal support at each stage of proceedings.
Biuro Warszawa:
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02 – 508 Warszawa, Polska
email: biurowarszawa@c-l-a.pl
tel: 508 682 837
fax: 22 646 31 91
Oddział Łódź:
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90-302 Łódź
email: biuro@lawadvisers.eu
tel: 42 631 93 30
fax: 42 641 70 54
Oddział Gorzów:
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66-400 Gorzów Wielkopolski
email: biurogorzow@c-l-a.pl
tel: 95 725 51 50
fax: 95 735 86 00
Oddział Poznań:
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61-730 Poznań
email: biuropoznan@c-l-a.pl
tel: 61 852 53 28