Goods delivered, invoice overdue, the buyer in Poland silent. This page explains how a B2B claim is collected in Poland, how long it takes, and which interest and costs can be charged to the debtor. Incasso Mentor sets up and runs this process on your behalf: we choose the right route, bring in the local specialist, follow every step and report to you in Turkish. You only take the decisions. Information as of September 2026.
The four figures that matter most to a Turkish exporter. Fees and rates change; before any legal step we confirm the current figures with our partner.
Polish formal demand; interest and the flat fee are stated, a payment plan negotiated. No licence is required for agencies in Poland; we work with members of the industry association.
Nakaz zapłaty application; fee 5% of the amount above PLN 20,000 (max PLN 100,000), below that PLN 30–1,000. No lawyer required at first instance.
Sąd rejonowy up to PLN 100,000, sąd okręgowy above; simplified procedure up to PLN 20,000. A defended case takes about a year at first instance; a lawyer is needed in practice.
Komornik sądowy: wages, bank, movable and real property, third-party attachment; 10% of the collected amount is charged to the debtor. Fruitless enforcement stays 7 years in the KRZ register; directors of an sp. z o.o. can be personally liable (KSH art. 299).
Collecting a debt in a foreign country on your own is exhausting: language, law, finding the right firm, negotiating fees, not missing deadlines. This is exactly where Incasso Mentor comes in. We review your file, obtain an independent credit report on the debtor and determine the most suitable route for Poland.
Then we set up the process: we select the registered agency or lawyer in Poland, hand over a complete and well-prepared file, fix the fee on your behalf in advance and follow every step. You work with one contact, in your own language. Every decision is yours; no step is taken without your approval.
You: send us the invoice, contract and delivery documents.
We: assess the file, obtain the credit report and report the route and cost to you in writing.
We: select and brief the local specialist in Poland, fix the fee and watch the deadlines.
We: report every development in Turkish and answer your questions.
You: take the decision at every stage. Legal steps only with your approval.
If enforcement against an sp. z o.o. fails, its directors can be jointly liable for the debt. This argument speeds up negotiations in Poland.
For sales of goods the limitation period is only 2 years. Do not let an overdue invoice sit; a demand or claim interrupts it, and mediation suspends it.
The European order for payment and small claims are closed to Turkish companies; the national nakaz zapłaty runs through our partner. The judgment is enforced in the EU under Brussels I-bis and in Turkey through tenfiz.
Unopposed order for payment a few weeks to a few months; a defended case about a year at first instance.
No legal requirement at first instance; in practice yes once an objection is filed and for cross-border service.
Insolvency is presumed after more than 3 months of arrears. The claim must be filed within 30 days of the bankruptcy order; unsecured creditors rarely recover much.
Share your invoice and the basic documents. We review the file and report the route in Poland and the expected cost to you in writing, in Turkish; the rest we plan together. B2B, from €20,000 per debtor.
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