Publication date: 09.05.2025
My name is Natalia Chumakova. I am a lawyer and legal consultant with over 20 years of experience in business legal support. I specialize in corporate, tax, and international law. I support M&A transactions, advise on company formation, investments, pre-trial debt recovery, and structuring cross-border operations. I work with businesses in Poland, Ukraine, and other EU countries. I provide legal assistance to both entrepreneurs and individuals. Personal slogan: Complex cases are my specialty.
Debt Collection from Debtors in Poland on a Success Fee Basis
Debt recovery in Poland is a complex and often time-sensitive legal process that requires not only a deep understanding of Polish commercial and civil law but also experience in dealing with debtors in the local business environment. I specialize in helping businesses and private clients recover overdue payments from Polish companies, focusing particularly on pre-litigation solutions. This approach is designed to save clients both time and financial resources by avoiding lengthy court proceedings.
I offer my services on a success fee model — you pay only when funds are actually recovered from the debtor. This performance-based structure ensures that I am fully motivated to achieve real, measurable results for every client. My approach is strategic, ethical, and fully compliant with Polish legal standards.
What Are the Stages of the Collection Process?
- Debt audit and case evaluation. A comprehensive legal review of the contract, accompanying documentation, invoices, correspondence, and any previous attempts at collection. I assess whether the debt is legally enforceable and identify potential risks.
- Debtor profile and solvency check. I analyze the debtor’s current financial status, check public and commercial registers, review company history, and look into asset ownership and liabilities to determine the best course of action.
- Strategy development. Depending on the specifics of the case, I propose a practical roadmap — combining legal warnings, negotiation tactics, reputational impact measures, and commercial leverage.
- Implementation of actions. I handle the preparation and delivery of official debt notifications in accordance with Polish law, initiate structured communication with the debtor, organize mediation sessions if feasible, and negotiate repayment terms that are beneficial to the client.
Example of a Successful Case
Situation: A Polish agricultural trading company failed to fulfill a supply agreement, resulting in an unpaid debt of €180,000 owed to a foreign exporter. The client had already made unsuccessful attempts to collect payment and was considering initiating a lawsuit.
Actions Taken:
- Performed a legal audit of the contract, correspondence, and relevant documents to confirm the claim’s validity.
- Verified the debtor’s operational and financial status using available legal databases and business intelligence tools.
- Sent a formal pre-court notice of intent to sue, clearly outlining the legal consequences of non-compliance and referencing relevant Polish civil codes.
- Engaged in multi-stage negotiations with the debtor’s management, legal representatives, and accountants.
- Drafted and finalized a voluntary settlement agreement with detailed repayment terms and liability clauses.
Result: The debt was fully repaid within 30 calendar days. Court proceedings were avoided entirely, and the client incurred no additional legal expenses.
What Do I Offer?
- Legal compliance at every stage
I ensure that all actions — from the first letter to final settlement — fully comply with Polish and EU legislation. No gray zones or risky tactics. - Individually tailored approach
Each case is handled based on its unique characteristics. I assess debtor psychology, market conditions, and contractual obligations before choosing a pressure strategy. - Focus on negotiation and prevention of litigation
Pre-litigation settlement is always my priority. I aim to resolve disputes amicably and swiftly, helping clients maintain business relations when possible. - Success-based remuneration
You only pay after the successful recovery of funds. There are no hidden fees, subscriptions, or consultation charges — everything is clear and result-oriented. - Full cycle legal support
From initial claim review to post-settlement control and payment tracking, I accompany the client throughout the entire process.
Why Clients Choose Me
- Over 8 years of experience in commercial debt recovery in Poland
- Profound understanding of Polish corporate law, contract enforcement, and judicial procedures
- High percentage of resolved cases without court action
- Ability to act quickly, efficiently, and within legal frameworks
- Transparent communication and clear client reporting
If your Polish client, supplier, or partner is not fulfilling their contractual payment obligations — do not delay. The sooner you initiate a structured legal strategy, the higher the chances of full recovery without going to court. Contact me to begin the process.
Debt recovery is not just legal action — it’s also about knowing how Polish businesses operate. My service combines legal expertise with negotiation skills and practical risk assessment to maximize the outcome for you.
