Insolvency, Debt & Restructuring · Poland
Your path through Insolvency, Debt & Restructuring lawyers in Poland starts here
When debts or financial distress affect your business or personal situation in Poland, the ordinary courts, statutory deadlines and two legal professions create a complex landscape. We match you with the right Polish legal professional to assess your position, protect your interests and act quickly. The service is free and confidential.
- Free matching with vetted Polish legal professionals
- First response within 24–48 hours
- No obligation to instruct the lawyer
No cost to be matched. You choose whether to proceed.
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Why choose us
Practical support for insolvency and debt matters in Poland
Facing unpaid invoices, creditor pressure or the need to restructure in Poland raises immediate questions about deadlines, court procedures and the powers of legal professionals. Unlike some markets, Poland uses a codified civil-law system where the ordinary courts handle bankruptcy cases, and where the two legal professions — adwokat and radca prawny — hold equal rights of audience. The right guidance can make the difference between a managed solution and a costly procedural error. We help you connect with specialised Insolvency, Debt & Restructuring lawyers in Poland who work with the Polish Civil Code, the Act on Court Costs and the relevant procedural rules. You tell us your situation once; we identify up to a handful of suitable legal professionals and you receive a shortlist within 24–48 hours. There is no cost to be matched and no obligation to instruct anyone.
Poland-specific legal landscape
How insolvency, debt and restructuring work in Poland
Poland follows a continental civil-law model based on codified statutes, with ordinary courts holding jurisdiction over bankruptcy and debt claims. Legal work in this area is shared between adwokat and radca prawny, both of whom may appear before all courts. The deadlines below govern common debt-related claims.
Court structure for debt and insolvency
Ordinary courts (sądy powszechne) hear bankruptcy and civil debt cases in three tiers: district courts, regional courts and appellate courts. The Supreme Court exercises cassation jurisdiction. Because claims, parties and amounts determine the correct court, a Polish legal professional can help you avoid filing in the wrong forum.
Who may represent you
Poland has two legal professions with equal rights of audience since 1 July 2015: the adwokat (advocate) and the radca prawny (attorney-at-law/legal adviser). Both require a Polish Master’s degree in law, three-year professional training, a state examination and compulsory membership in their professional self-government. In many civil matters, representation by one of them is required before appellate courts and the Supreme Court.
Costs and legal aid
Court fees in civil cases are governed by the Act on Court Costs in Civil Cases. A statement of claim for a pecuniary claim generally attracts a proportional fee of 5% of the amount in dispute, subject to statutory minimums and caps. Lawyers’ fees are freely agreed, but recoverable costs are capped by ministerial rates. Free legal aid and court-appointed lawyers are available for those who qualify.
Secured debts and real property
A contract obliging a party to transfer ownership of real property must be in notarial form, and the transfer itself also requires a notarial deed. Ownership and rights in rem are recorded in the Land and Mortgage Register (księga wieczysta). Entries enjoy a presumption of accuracy, which is relevant when real property serves as security for a debt.
Inheritance and debt liability
Since 2015, an heir who fails to make a declaration within six months is deemed to have accepted the inheritance with the benefit of inventory, limiting liability for the deceased’s debts to the value of the estate. This default rule can protect you from unexpected personal liability in Polish succession matters.
All data is drawn from official Polish legal databases (ISAP) and the European e-Justice portal, verified as of 2025.
Common challenges
Where debt and insolvency pressure becomes urgent
These are the situations our clients in Poland often describe.
Creditor pressure and enforcement risk
Unpaid debts can lead to court proceedings, enforcement against assets or insolvency petitions. Acting before a limitation period expires is essential to protect your position and negotiate from strength.
Business distress and restructuring
Cash-flow problems, supplier defaults and the need to restructure require quick decisions under Polish commercial and bankruptcy rules. The wrong step can reduce your recovery or expose directors personally.
Cross-border and inheritance debt
Debts tied to Polish real estate, inheritance or cross-border transactions involve notarial formalities, forced heirship and Land and Mortgage Register entries. Specialist guidance helps avoid nullities and personal liability.
Why our matching works
A calmer path to a qualified Polish legal professional
We remove the guesswork from finding the right support.
Rapid, tailored shortlist
You describe your matter once and we identify suitable legal professionals who handle insolvency, debt and restructuring in Poland. You receive a focused shortlist within 24–48 hours, not a directory.
Verified professional status
Every legal professional is checked against the Polish Bar Council (NRA) or the National Chamber of Legal Advisers (KIRP), so you know they are entitled to practise before Polish courts.
Clear cost expectations
We do not charge you for matching. Court fees, recoverable costs and legal aid options are explained upfront, so you can compare and decide without hidden costs.
No obligation to instruct
The shortlist is yours to keep. You are free to interview candidates, ask for fee quotes and choose the one who fits; there is no commitment to use our service further.
Coverage across Europe
Find legal support in neighbouring markets
If your matter involves other European jurisdictions, we can also match you with legal professionals in these countries.
Frequently asked questions
Answers to common questions about Polish insolvency and debt matters
How do I find Insolvency, Debt & Restructuring lawyers in Poland?
You submit your matter through our short form. We match you with up to a handful of vetted Polish legal professionals within 24–48 hours. The matching is free, and you decide whether to instruct anyone.
What are the limitation periods for debt claims in Poland?
General contractual claims are subject to a six-year limitation period, while claims arising from business activity and recurring payments are subject to three years. Claims confirmed by a final judgment are generally enforceable for six years.
Who can represent me in a Polish insolvency or debt case?
Both adwokat (advocate) and radca prawny (attorney-at-law/legal adviser) have equal rights of audience before all Polish courts. They must be members of their professional self-government and meet statutory qualification requirements.
Do I need a notary for debt secured by real property in Poland?
A contract obliging a transfer of real property must be in notarial form, and the transfer itself also requires a notarial deed. The notary controls legality and collects relevant taxes; failure to observe this form makes the transaction null.
What happens if I inherit debts in Poland?
Since 2015, if you do not make a declaration within six months, you are deemed to accept the inheritance with the benefit of inventory, meaning your liability for the deceased’s debts is limited to the value of the inherited estate.
Are there court fees for debt recovery in Poland?
Yes. A statement of claim for a pecuniary claim generally attracts a proportional court fee of 5% of the amount in dispute, subject to statutory minimums and caps. Free legal aid and court-appointed lawyers may be available if you qualify.
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Tell us about your insolvency, debt or restructuring matter in Poland. We will send you a focused shortlist within 24–48 hours — free of charge and without obligation.