Firma windykacyjna letter explained in English

Debt collection company. A company that collects debts, often debts it bought from a bank or phone company. It is not a court or bailiff and can’t take money by force.

Letters you may get

• Wezwanie do zapłaty — a demand to pay a debt
• Propozycja ugody — an offer to pay in parts or pay less
• Informacja o cesji — they bought your debt from someone else

What to do

• Ask for proof of the debt if you don’t recognise it. Old debts can expire (przedawnienie).
• Don’t sign anything that says you accept the debt (uznanie długu) before you get advice.
• Find the deadline. Look for “termin”, “do dnia”, “od dnia doręczenia”.
• Write the reference number from the letter on everything you send back, and keep copies.
• If you disagree with a decision, object in writing before the deadline (“odwołanie”, “zażalenie”, “sprzeciw”, “skarga”, “reklamacja”). See the template.

Words you may see

wezwanie

Official request. They want you to do something — come in, send papers or pay — by a set date.

przedawnienie

Expiry of a claim after a time limit, often 3 or 6 years. After that, a court usually can’t make a consumer pay.

Questions

What is the Firma windykacyjna?

Debt collection company. A company that collects debts, often debts it bought from a bank or phone company. It is not a court or bailiff and can’t take money by force.

How long do I have to answer a letter from the Firma windykacyjna?

It depends on the letter. Look for words like “termin”, “do dnia”, “od dnia doręczenia” — they mark the deadline. In Poland, most deadlines start on the day you receive the letter (doręczenie). If you weren’t home, the post leaves a notice (awizo), and a letter you don’t collect usually counts as delivered 14 days after the first notice. The 3 days are only an estimate, so check the date you signed for it. To object, the letter usually names the way to do it (“odwołanie”, “zażalenie”, “sprzeciw”, “skarga”, “reklamacja”).

Can I read a Firma windykacyjna letter in English?

Yes. Take a photo of the letter with Briefly. It explains the letter in plain English, finds the deadline and the amount, and gives you ready-made replies in Polish. Your letter never leaves your device.

Other offices in Poland

Urząd Skarbowy · ZUS · Urząd Wojewódzki – Wydział Spraw Cudzoziemców · Urząd Miasta / Urząd Gminy · Policja / Straż Miejska · GITD / CANARD · Powiatowy Urząd Pracy (PUP) · NFZ (Narodowy Fundusz Zdrowia)