Debt recovery using full name

Debt Recovery Service Using Full Name

In Poland, debt recovery through the debtor’s full name (PІB) is one of the most effective and legally transparent mechanisms for reclaiming funds for both individuals and legal entities. This approach allows for quick identification of the debtor in state registers, contacting the competent authorities, and initiating the enforcement procedure.

Consultant accompanies clients at every stage of this process—from the initial assessment of the situation to communication with courts and enforcement authorities.

When and Why You Should Use the Debt Recovery Mechanism Based on Full Name

Debt recovery through a full name is used when the debtor is an individual or a sole trader, and contact data is unavailable or the debt has been ignored for a long time. Before initiating the procedure, it is important to determine whether there are grounds for filing an official demand and whether simplified legal tools can be applied.

This mechanism is especially effective in the following situations:

• Lack of response from the debtor — written demands remain unanswered.
• The debtor has changed their address or cannot be contacted, complicating standard communication methods.
• There are documents confirming the debt, but the debtor does not return it voluntarily.
• It is necessary to initiate court or enforcement proceedings that require accurate identification of the person.

Proper use of the full-name-based procedure allows for faster initiation of official recovery and reduces the likelihood of debtor evasion.

Legal Tools Used for Recovery Through Full Name

Before initiating the process, a lawyer reviews the documents, qualifies the type of debt, and determines the most appropriate instruments. This ensures compliance with Polish law and increases the chances of recovering funds.

This service includes the following legal actions:

• Verification of the debtor in the PESEL and CEIDG databases — establishing current personal information and business status.
• Preparation and sending of a pre-court demand (wezwanie do zapłaty) — an official document that triggers the voluntary repayment period.
• Filing a lawsuit — initiating court proceedings to obtain a court order or judgment.
• Transferring the case to a bailiff (komornik) — launching the official enforcement process.
• Identifying the debtor’s assets and income — checking bank accounts, movable and immovable property.

Comprehensive use of these instruments provides real leverage over the debtor and accelerates fund recovery.

Cooperation With a Lawyer and Key Aspects to Consider

For debt recovery to be as effective as possible, it is important to work with professionals who understand Polish civil and business law procedures. This helps avoid common mistakes, such as incorrect document preparation or submitting a claim to the wrong court.

When handling such cases, the lawyer takes into account:

1. Statutes of limitations depending on the type of debt (1, 2, or 6 years).
2. Accuracy of the debtor’s personal data, since even small errors may delay the entire process.
3. Possibility of concluding a settlement, which often helps retrieve funds sooner.
4. Risks of insolvency and the need to assess the debtor’s financial situation before filing a claim.

Thanks to this, the client receives a clear strategy and an informed forecast of recovery success.