Debt management

Advice and preventive actions

Amicable debt collection (in Poland and abroad)

Court debt collection and enforcement (in Poland and abroad)

Training

Restructuring

Bankruptcy assistance

Tax advisory services

Use our solutions

Unstructured relationships with business partners and no debt collection procedure in place entail financial liquidity problems – especially in times of economic turbulence. See what we can do together.

Our actions feature:

 

  • high quality
  • care about the creditor’s image
  • H2H approach
  • emphasis on amicable actions

 

In our work we apply our own tool – Intelligent Collection System, which ensures:

  • fully or partially automated debt collection processes
  • tailoring and optimising of monitoring and debt collection schemes
  • effectiveness of the debt collection team’s work
  • multi-dimension reporting
  • online access to the case (client panel)

Intelligent Collection System

1

Data provision

  • batch file
  • integration of systems Client – DSK Law Firm
  • automatic calculation of interest, compensation for delay in commercial transactions

2

Payment monitoring

  • sms/e-mail – reminder of expiring date

3

Amicable debt collection

  • Call for payment
    • sms
    • e-mail
    • paper correspondence – acknowledgment of receipt or regular letter:
      • reminder
      • request for payment
      • pre-court demand for payment
    • call center
    • on-line negotiation
    • 40 Euro compensation
    • BIG InfoMonitor
      • economic report
      • adding a debtor to BIG InfoMonitor
    • debt exchange

4

Court stage

  • filing of a lawsuit
    • electronic writ of payment proceedings
    • district court
  • integrated relationship DSK Law Firm – e-court

5

Enforcement stage

  • filing an enforcement action
    • integrated DSK Law Firm – bailiff relationship
    • online monitoring of the proceedings conducted by the court enforcement officer
  • possible repetition of the process until the debt is recovered

Our key clients

  • GCZ

  • ONNINEN

  • KACZMAREK ELECTRIC

  • SKIP Group

  • ENEA Group

  • HTTPS

  • MEDASEPT

  • VOX Group

  • SWPS University

  • ZTM POZNAŃ

  • LIFTS

  • YOURCE

  • IT CRAFT

  • STX Next

Projects completed

    Group 5521

  • One of the largest Polish non-public university requested us to provide monitoring and collection of debts. During the year, the client transferred about 160 thousand claims to initiate collection proceedings, which includes a portfolio of debts amounting to about PLN 128 million. Effectiveness of debt collection actions is about PLN 6 million per month.

  • A company providing services of comprehensive deconstruction and demolition requested us to deal with amicable and court debt collection. At present, we assist the client in about 100 cases with a portfolio of debts amounting to PLN 170 thousand.

  • A company involved in website positioning uses our services involving amicable and court debt collection as well as debt enforcement. We have completed 600 cases with a portfolio of debts amounting to over PLN 5 million. Effectiveness of our debt collection and enforcement actions is about 75%.

  • One of the largest loan companies transferred its portfolio of debts comprising several hundred pending debt collection proceedings. We conduct amicable debt collection activities concerning the client's debtors, ultimately ending with the judicial stage or referring cases to bailiffs. During a year of our work, the portfolio of debts was reduced by 50%.

  • A leading plumbing and electrical wholesaler. The last year of our co-operation involved 800 cases referred by the client, i.e. a portfolio of debts amounting to about PLN 10 million. Our effectiveness is 80% of all debts recovered.

  • In 2021, we were entrusted with the collection of receivables by a leading company in the energy industry. This involved preparing a team and a system to handle further massive debt packages. Already six months of our cooperation resulted in 3013 lawsuits - a debt portfolio of about PLN 3.5 million.

Our key clients

sole traders / individuals ransport/logistics IT automotive wholesale trade/chains of stores e-commerce utility provision units of the public finance sector private schools of higher education foreign companies
Poprzedni
Następny
Strzałka

Advice and preventive actions

  • Audits of debt collection systems
  • Securing of debts
  • Verification of creditworthiness of a potential business partner
    • payment monitoring /credit scoring
    • business intelligence services
  • Preparation and implementation with debt sale
  • Co-operation with credit information bureaus

Scope of our services

  • payment monitoring
    • without involvement of the company’s own staff
    • without the need to engage extra workers
    • without any investments in specialist software
    • bearing in mind the company’s image and business relations
  • designing of procedures and practices aimed to reduce problems related to late payment by business partners
  • drafting or verification of agreements with business partners aimed to safeguard their interests
  • audits of internal debt collection processes and support in implementation of post-audit recommendations
  • assessment of creditworthiness of the business partner at each stage of the contract and establishing its property status
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Amicable debt collection (in Poland and abroad)

  • Amicable activities (using various means of communication: texts, emails, call centre)
  • Skip tracing
  • Direct debt collection (as an option)

Scope of our services

  • preparation of collection strategies
  • negotiations
  • representing when executing and monitoring out-of-court settlement agreements
  • search for alternative contact data of debtors

We ensure reporting on the progress of proceedings and online access to each case.

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Court debt collection and enforcement (in Poland and abroad)

  • Court debt collection using the optimal lawsuit procedure
  • Writ-of-payment electronic proceedings
  • Payment order proceedings
  • Writ-of-payment proceedings
  • Civil proceedings
  • European proceedings concerning small claims
  • European payment order
  • Proceedings before the Arbitration Tribunal
  • Pursuit of civil claims in criminal proceedings

Scope of our services

  • feasibility study for a claim, success probability assessment
  • legal analysis of documents held
  • obtaining and verification of the debtor’s registration documents
  • preparation of a statement of claim and further pleadings in the case, representing the client in court, filing a petition for enforcement and representing the client in enforcement proceedings
  • court mediation
  • pursuit of debts from heirs
  • statements of claim under art. 229 of the Code of Commercial Companies
  • reporting on the progress of the proceedings
  • representing the client in restructuring, composition, bankruptcy and similar proceedings in Poland and abroad

We ensure online access to every case.

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Training

We offer a broad variety of training courses including:

  • negotiations with the debtor
  • changes and trends on the debt management market
  • legal regulations governing debt collection
  • restructuring and bankruptcy proceedings

Scope of our services

We conduct closed training courses for the clients’ staff (e.g. internal debt collection and legal departments).

We adapt the training form to meet clients’ preferences: face-to-face, online or hybrid training.

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Restructuring

  • Out-of-court restructuring
  • Court restructuring:
  • Proceedings for approval of a composition agreement
  • Accelerated composition proceedings
  • Composition proceedings
  • Rehabilitation proceedings

Scope of our services

  • advisory services with regard to consensual debt restructuring, combined with the analysis of the enterprise status (risks and threats)
  • legal assistance with regard to development of the optimum crisis management strategy for the debtor, including:
    • selection of the best restructuring proceedings
    • drafting of a petition for restructuring proceedings
    • support in negotiations with creditors in order to execute a composition agreement
  • comprehensive legal assistance to the creditor aimed at having the debt satisfied at the highest possible level, including:
    • carrying out of a legal analysis for potential ineffective actions of the debtor
    • drafting of an objection if a debt is omitted in the specification
    • other actions aimed at safeguarding the interests of the creditor, including at meetings of creditors or in boards of creditors
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Bankruptcy assistance

  • Bankruptcy proceedings of entrepreneurs, including sole traders
  • Consumer bankruptcy
  • Litigation and criminal proceedings related to liability of managers

Scope of our services

We provide comprehensive legal assistance with initiating and carrying out of bankruptcy proceedings both for the debtors and the creditors, including:

  • identification of insolvency reasons to file a petition in bankruptcy on time
  • representing debtors involving:
    • drafting a petition in bankruptcy
    • assistance in day-to-day contacts with the receiver
    • legal assistance with reduction of debts of consumers and sole traders
    • protection of the debtor from the petition in bankruptcy filed by the creditor
  • representing the creditors with regard to:
    • preparing a specification of debts
    • drafting pleadings during the proceedings (objection to a specification of debts, objections to the plan of distribution of bankruptcy estate)
    • assessment of effectiveness of security instruments provided and agreements executed
    • representation in civil and criminal proceedings related to insolvency of companies, including with regard to liability of management board members towards creditors, prohibition on business activities and holding specific positions in companies
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Tax advisory services

Working together with our tax department, we can offer assistance to our clients’ accounting staff.

We provide advisory services regarding tax settlement of bad debts.

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