B2B debt collection – effective debt recovery and financial liquidity protection
Payment bottlenecks and unreliable contractors directly strike at a company's financial liquidity and security. Conducting debt recovery requires more than standardized letters – it calls for a multi-track legal strategy. Rulity Consulting offers comprehensive B2B debt collection, combining civil and criminal law tools. Instead of burdening your budget with the costs of an in-house lawyer's salary, you gain the backing of an entire expert team with experience drawn from hundreds of complex cases. We effectively recover financial resources in Poland, across the European Union, and in complex cross-border cases outside the EU.
Amicable debt recovery and repayment negotiations
The first step is firm amicable debt collection and advanced settlement negotiations. In our practice, we focus on legal leverage that genuinely alters the mindset of an unfair business partner. When necessary, we conduct debt recovery on two tracks: from the civil claims side and from the criminal law side (analysis for potential fraud and notification to law enforcement agencies). Facing criminal liability and the possibility of personal liability for board members or partners, the debtor is significantly more inclined to reach an immediate agreement and settle the debt.
Judicial debt recovery and cross-border collection
When a debtor avoids payment or attempts to flee with assets, we swiftly transition to judicial proceedings. We prepare lawsuits in order-for-payment, admonitory, and EPU (Electronic Admonitory Proceedings). We possess extensive experience in complex international cases – having conducted, among others, a cross-border debt collection for the amount of 600,000 PLN in Bosnia and Herzegovina, where a contractor avoided fulfilling the contract for over a year and a half, as well as executing over 18 successful debt collections in Germany with a total value exceeding 1 million PLN. Our multilingual and international approach allows us to effectively pursue debtors regardless of jurisdiction.
Enforcement supervision and proven case studies
Simply obtaining an order for payment is just a step toward the goal – actual asset execution is key. We cooperate with trusted bailiff offices, locate debtors' hidden assets, and actively supervise enforcement actions. Our effectiveness is confirmed by measurable successes, such as a record recovery of 2,000,000 PLN from a developer who misappropriated borrowed funds – we recovered the full amount for the client through a parallel refinancing from an investment fund. We ensure that every debt collection ends with actual cash returning to your business.
Bibliography
Ministry of Justice – Court Registers Portal and principles of operation of the Electronic Admonitory Proceedings (EPU): https://www.gov.pl/web/sprawiedliwosc
National Council of Judicial Officers – Official information regarding court enforcement procedures and searching for debtors' assets: https://www.komornik.pl/
Rejestr Dłużników BIG InfoMonitor – Oficjalna platforma wymiany informacji gospodarch wspierająca odzyskiwanie należności: https://www.big.pl/
FAQ
Who bears the costs associated with B2B debt collection?
Under the Act on Counteracting Excessive Payment Delays, debt collection costs, interest, and legal representation costs can be fully charged to the defaulting debtor.
Why is it worth incorporating criminal law elements into debt collection?
Pursuing recovery through criminal channels (e.g., under Art. 286 of the Penal Code for fraud) ensures that the debtor does not treat the case as merely another civil dispute, but faces the prospect of criminal liability, which dramatically speeds up the decision to voluntarily repay the debt.
Is it possible to recover a debt from a company that has no corporate assets?
Yes. In situations where a limited liability company (sp. z o.o.) is insolvent, we transfer liability to the members of the management board (Art. 299 of the Commercial Companies Code) or partners, allowing execution directly from their private assets.
Are you struggling with non-paying contractors in Poland or abroad? Rulity Consulting will conduct a precise B2B debt recovery process using the leverage of civil and criminal law. Contact us today and reclaim the money owed to your business.