{"id":4427,"date":"2026-07-06T09:38:05","date_gmt":"2026-07-06T07:38:05","guid":{"rendered":"https:\/\/bwlaw.de\/practice-areas\/debt-collection\/"},"modified":"2026-07-09T09:16:45","modified_gmt":"2026-07-09T07:16:45","slug":"debt-collection","status":"publish","type":"page","link":"https:\/\/bwlaw.de\/en\/practice-areas\/debt-collection\/","title":{"rendered":"Your debtor will not pay? We recover your money."},"content":{"rendered":"\n<div id=\"progress\" aria-hidden=\"true\"><\/div>\n\n<header>\n  <div class=\"wrap\">\n    <a href=\"\/en\/\" class=\"brand\" aria-label=\"BWLAW \u2013 home\"><img loading=\"lazy\" decoding=\"async\" src=\"\/wp-content\/themes\/bwlaw-child-1\/assets\/img\/logo-bw.png\" alt=\"BWLAW \u2013 law firm in Germany\" width=\"42\" height=\"28\"><\/a>\n    <nav aria-label=\"Main navigation\">\n      <a href=\"https:\/\/bwlaw.de\/en\/practice-areas\/construction-law\/\">Construction law<\/a>\n      <a href=\"https:\/\/bwlaw.de\/en\/practice-areas\/debt-collection\/\" class=\"active\" aria-current=\"page\">Debt collection<\/a>\n      <a href=\"https:\/\/bwlaw.de\/en\/practice-areas\/company-formation\/\">Corporate law<\/a>\n      <a href=\"https:\/\/bwlaw.de\/en\/practice-areas\/employment-law\/\">Employment law<\/a>\n      <a href=\"\/en\/defective-car-from-germany\/\">Cars<\/a>\n      <a href=\"https:\/\/bwlaw.de\/en\/knowledge-base\/\">Knowledge base<\/a>\n      <a href=\"\/en\/#zespol\">Team<\/a>\n    <\/nav>\n    <a href=\"#kontakt\" class=\"btn\">Contact a lawyer <span class=\"arr\">\u2192<\/span><\/a>\n    <button class=\"burger\" aria-label=\"Menu\">\u2630<\/button>\n  <\/div>\n<\/header>\n\n<!-- HERO -->\n<section class=\"shero\">\n  <div class=\"glow\"><\/div>\n  <div class=\"wrap\">\n    <div>\n      <nav class=\"crumbs\" aria-label=\"Breadcrumbs\"><a href=\"\/en\/\">Home<\/a><span>\/<\/span><a href=\"\/en\/#specjalizacje\">Practice areas<\/a><span>\/<\/span><b>Debt collection<\/b><\/nav>\n      <span class=\"eyebrow\">Debt collection in Germany<\/span>\n      <h1>Your debtor will not pay? <em>We recover your money.<\/em><\/h1>\n      <p class=\"lead\">We handle debt collection from the first demand letter to enforcement \u2014 as lawyers, not a collection agency. A letter from a Rechtsanwalt makes a different impression than another reminder, and if needed the same file proceeds to lawsuit and enforcement \u2014 including in Poland.<\/p>\n      <div class=\"cta-row\">\n        <a href=\"#kontakt\" class=\"btn\">Send your invoices for review <span class=\"arr\">\u2192<\/span><\/a>\n        <a href=\"tel:+4933555310969\" class=\"btn ghost\" style=\"color:#fff\">\u260e +49 335 553 10969<\/a>\n      <\/div>\n      <div class=\"badges\">\n        <span class=\"badge\">Demand letter \u00b7 payment order<\/span>\n        <span class=\"badge\">European order for payment<\/span>\n        <span class=\"badge\">Enforcement \u2014 also in Poland<\/span>\n      <\/div>\n    <\/div>\n    <div class=\"ph rv\"><img decoding=\"async\" src=\"\/wp-content\/themes\/bwlaw-child-1\/assets\/img\/karolina-telefon.webp\" alt=\"Debt collection in Germany \u2013 lawyer contacting the debtor\" fetchpriority=\"high\"><\/div>\n  <\/div>\n<\/section>\n\n<!-- ETAPY -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">The whole chain in one firm<\/span>\n      <h2>Four stages of effective debt collection in Germany<\/h2>\n      <p>Not every stage is always needed \u2014 many debtors pay after the first lawyer\u2019s letter. Strategy depends on the amount, the documents and the debtor\u2019s behaviour.<\/p>\n    <\/div>\n    <div class=\"steps rv d1\">\n      <div class=\"stp\"><div><b>Demand letter (Mahnung)<\/b><p>A lawyer\u2019s demand with a deadline, interest and notice of next steps. From default onward the debtor bears the recovery costs.<\/p><\/div><\/div>\n      <div class=\"stp\"><div><b>Court payment order (Mahnbescheid)<\/b><p>The simplified order-for-payment procedure \u2014 a fast, cheap route to an enforceable title where the debtor does not contest the claim. Cross-border we also use the European order for payment.<\/p><\/div><\/div>\n      <div class=\"stp\"><div><b>Payment lawsuit<\/b><p>If the debtor raises objections, we represent you before the competent court \u2014 across Germany. If you win, the debtor generally bears the costs.<\/p><\/div><\/div>\n      <div class=\"stp\"><div><b>Enforcement (Zwangsvollstreckung)<\/b><p>A title is not yet money \u2014 so we enforce it: seizing accounts, receivables and assets, working with the bailiff, asset disclosure.<\/p><\/div><\/div>\n    <\/div>\n    <div class=\"hl rv\">\n      <span class=\"eyebrow\">Mind the deadline<\/span>\n      <h3>Limitation: 3 years from the end of the year<\/h3>\n      <p>The standard limitation period is 3 years from the end of the year in which the claim arose. A 2023 invoice becomes time-barred at the end of 2026. These are general rules \u2014 depending on the contract and type of claim the period and its start may differ (e.g. from acceptance). The older the receivable, the harder the recovery.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<!-- QUIZ KWALIFIKACJI SPRAWY -->\n<section class=\"sec alt\" id=\"quiz-sekcja\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">Quiz \u2014 60 seconds<\/span>\n      <h2>Is your claim recoverable? A 60-second quiz<\/h2>\n      <p>Four questions about the debt and your documents \u2014 with a first assessment of your chances at the end.<\/p>\n    <\/div>\n    <div class=\"quiz rv d1\" id=\"quiz\">\n      <div class=\"qz-prog\"><i><\/i><\/div>\n      <span class=\"qz-count\"><\/span>\n      <h3><\/h3>\n      <div class=\"qz-opts\"><\/div>\n      <div class=\"qz-res\">\n        <div class=\"verdict\"><\/div>\n        <p><\/p>\n        <a href=\"#kontakt\" class=\"btn\">Send your invoices for review <span class=\"arr\">\u2192<\/span><\/a>\n        <button class=\"qz-restart\" type=\"button\">\u21ba Start over<\/button>\n      <\/div>\n      <p class=\"qz-note\">The quiz gives a first orientation and does not replace legal advice \u2014 the outcome depends on details we assess individually.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- DLA KLIENT\u00d3W DE \/ TRANSGRANICZNE -->\n<section class=\"sec alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">Cross-border<\/span>\n      <h2>Germany and Poland \u2014 we enforce on both sides<\/h2>\n    <\/div>\n    <div class=\"probs rv d1\">\n      <div class=\"prob\"><b>Polish judgment, German debtor<\/b><p>We enforce Polish titles in Germany under the Brussels Ia Regulation \u2014 without separate recognition proceedings.<\/p><\/div>\n      <div class=\"prob\"><b>Securing assets<\/b><p>Attachment (Arrest) and interim security before the debtor moves assets away.<\/p><\/div>\n      <div class=\"prob\"><b>Debtor insolvency<\/b><p>Filing the claim in German insolvency proceedings and monitoring the process.<\/p><\/div>\n    <\/div>\n    <div class=\"mini-cta rv\"><b>Claims against Polish business partners?<\/b><span style=\"color:var(--ink-soft);font-size:.92rem\">Debt collection in Poland and enforcement of German titles \u2014 from one firm, in both legal systems.<\/span><a href=\"#kontakt\" class=\"btn\">Get in touch <span class=\"arr\">\u2192<\/span><\/a><\/div>\n  <\/div>\n<\/section>\n\n\n<!-- LEAD MAGNET (podpi\u0105\u0107 do newslettera, np. FluentCRM\/MailPoet; PDF do przygotowania: checklista-windykacja.pdf) -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"magnet rv\">\n      <div class=\"magnet-ico\">\u2b07<\/div>\n      <div>\n        <b>Before you instruct us \u2014 document checklist (PDF)<\/b>\n        <p>Invoices, contract, correspondence, limitation periods: what to prepare so collection starts without delay.<\/p>\n      <\/div>\n      <form class=\"magnet-form\" onsubmit=\"return false\">\n        <input type=\"email\" required placeholder=\"Your e-mail address\" aria-label=\"E-mail address\">\n        <label class=\"optin\"><input type=\"checkbox\" required><span>I consent to receiving the material and e-mail contact. <a href=\"\/en\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy policy<\/a>.<\/span><\/label>\n        <button class=\"btn\" type=\"submit\">Download the checklist (PDF) <span class=\"arr\">\u2192<\/span><\/button>\n      <\/form>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">FAQ<\/span>\n      <h2>Frequently asked questions about debt collection<\/h2>\n    <\/div>\n    <div class=\"faq-list rv d1\">\n      <div class=\"qa open\">\n        <button aria-expanded=\"true\">What does debt collection cost and who pays for it?<span class=\"pl\">+<\/span><\/button>\n        <div class=\"ans\"><div><p>Fees follow the RVG statute and the value of the claim. If the debtor is in default, the lawyer\u2019s collection costs are damages the debtor must generally cover \u2014 we add them to the claim together with default interest.<\/p><\/div><\/div>\n      <\/div>\n      <div class=\"qa\">\n        <button aria-expanded=\"false\">What is a Mahnbescheid and when is it worthwhile?<span class=\"pl\">+<\/span><\/button>\n        <div class=\"ans\"><div><p>A Mahnbescheid is a court payment order issued in simplified proceedings \u2014 faster and cheaper than a lawsuit. It works well when the debtor does not contest the claim. After an objection the case moves to ordinary litigation, so strategy follows the debtor\u2019s behaviour.<\/p><\/div><\/div>\n      <\/div>\n      <div class=\"qa\">\n        <button aria-expanded=\"false\">I have a Polish judgment. Can you enforce it in Germany?<span class=\"pl\">+<\/span><\/button>\n        <div class=\"ans\"><div><p>Yes. Polish judgments and payment orders are enforceable in Germany under the Brussels Ia Regulation \u2014 without separate recognition proceedings. We prepare the documents and enforce against the debtor\u2019s assets in Germany.<\/p><\/div><\/div>\n      <\/div>\n      <div class=\"qa\">\n        <button aria-expanded=\"false\">What if the German debtor files for insolvency?<span class=\"pl\">+<\/span><\/button>\n        <div class=\"ans\"><div><p>We file your claim in the insolvency schedule and monitor the deadlines. The earlier you react to signs of insolvency, the better your chances of at least partial recovery.<\/p><\/div><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<!-- CASE STUDY -->\n<section class=\"sec alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">Case study<\/span>\n      <h2>How we work with cross-border businesses<\/h2>\n    <\/div>\n    <div class=\"case rv d1\">\n      <div class=\"case-body\">\n        <span class=\"tag\">Client: GEPA Logistics Sp. z o.o.<\/span>\n        <h3>Ongoing support for a logistics company on the German market<\/h3>\n        <p>A logistics company operating in Germany entrusted us with its ongoing legal support \u2014 from contracts to enforcing receivables. Knowing the German legal environment lets us react before disputes grow.<\/p>\n        <ul class=\"case-facts\">\n        <li>ongoing legal support in the German environment<\/li>\n        <li>support with contracts and cross-border receivables<\/li>\n        <li>ongoing cooperation<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- KONTAKT NA STRONIE (formularz -> admin-post bwlaw_contact) -->\n<!-- Z BAZY WIEDZY: karty artykulow kategorii (v3 - 3 najnowsze wg post_date, generowane skryptem) -->\r\n<section class=\"sec\">\r\n  <div class=\"wrap\">\r\n    <div class=\"sec-head rv\">\r\n      <span class=\"eyebrow\">Knowledge base<\/span>\r\n      <h2>Guides: debt collection<\/h2>\r\n    <\/div>\r\n    <div class=\"kb-grid rv d1\" style=\"margin-top:2rem\">\r\n      <article class=\"kb-card\" data-cat=\"windykacja\">\n        <span class=\"cat\">Debt collection<\/span>\n        <h3>Your German partner is insolvent \u2014 how to file your claim<\/h3>\n        <p>Insolvency proceedings from the creditor\u2019s view: deadlines, the claims schedule, realistic recovery.<\/p>\n        <div class=\"meta\"><span>\u2248 6 min read<\/span><a href=\"https:\/\/bwlaw.de\/en\/knowledge-base\/german-debtor-insolvency\/\">Read \u2192<\/a><\/div>\n      <\/article>\n      <article class=\"kb-card\" data-cat=\"windykacja\">\n        <span class=\"cat\">Debt collection<\/span>\n        <h3>Statute of limitations \u2014 the three-year rule and the deadlines that matter<\/h3>\n        <p>Three years from year-end under secs. 195, 199 BGB, five and 30-year periods, suspension by lawsuit or Mahnbescheid, restart under sec. 212 BGB.<\/p>\n        <div class=\"meta\"><span>\u2248 8 min read<\/span><a href=\"https:\/\/bwlaw.de\/en\/knowledge-base\/limitation-periods-germany\/\">Read \u2192<\/a><\/div>\n      <\/article>\n      <article class=\"kb-card\" data-cat=\"windykacja\">\n        <span class=\"cat\">Debt collection<\/span>\n        <h3>Mahnbescheid \u2014 what it is and when it pays off<\/h3>\n        <p>The German court payment order: costs, deadlines, objections and the steps after obtaining a title.<\/p>\n        <div class=\"meta\"><span>\u2248 6 min read<\/span><a href=\"https:\/\/bwlaw.de\/en\/knowledge-base\/mahnbescheid-german-payment-order\/\">Read \u2192<\/a><\/div>\n      <\/article>\n    <\/div>\r\n    <div class=\"chips rv\" style=\"margin-top:1.6rem\">\r\n      <a href=\"https:\/\/bwlaw.de\/en\/knowledge-base\/\">All articles in the knowledge base \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n<section class=\"sec\" id=\"kontakt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head rv\">\n      <span class=\"eyebrow\">Contact<\/span>\n      <h2>Do not wait until your claim becomes time-barred<\/h2>\n      <p style=\"color:var(--ink-soft);max-width:62ch;margin-top:.8rem\">Send the invoice, contract and correspondence. We assess your chances, state the costs and propose the fastest route to your money.<\/p>\n    <\/div>\n    <style>\n    #kontakt .k-grid{display:grid;grid-template-columns:1.05fr .75fr;gap:1.8rem;margin-top:2.2rem;align-items:start}\n    @media(max-width:900px){#kontakt .k-grid{grid-template-columns:1fr}}\n    #kontakt .cform{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.8rem;box-shadow:0 18px 44px rgba(22,21,19,.07)}\n    #kontakt .cform label{display:block;font-size:.8rem;letter-spacing:.06em;color:var(--ink-soft);margin:0 0 .35rem}\n    #kontakt .cform input,#kontakt .cform textarea{width:100%;background:var(--ivory);border:1px solid var(--line);border-radius:12px;color:var(--ink);padding:.85rem 1rem;font-family:inherit;font-size:.95rem;margin-bottom:1.1rem}\n    #kontakt .cform input:focus,#kontakt .cform textarea:focus{outline:none;border-color:var(--terra)}\n    #kontakt .cform textarea{min-height:120px;resize:vertical}\n    #kontakt 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d1\" method=\"post\" action=\"\/wp-admin\/admin-post.php\">\n        <input type=\"hidden\" name=\"action\" value=\"bwlaw_contact\">\n        <input type=\"hidden\" name=\"bwlang\" value=\"en\">\n        <input type=\"hidden\" name=\"topic\" value=\"debt-collection\">\n        <input type=\"hidden\" name=\"bwback\" value=\"\/en\/practice-areas\/debt-collection\/\">\n        <input type=\"text\" name=\"bw_website\" value=\"\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\" style=\"position:absolute;left:-9999px;height:0;overflow:hidden\">\n        <label for=\"k-name\">Full name<\/label>\n        <input id=\"k-name\" type=\"text\" name=\"name\" autocomplete=\"name\">\n        <label for=\"k-email\">E-mail<\/label>\n        <input id=\"k-email\" type=\"email\" name=\"email\" autocomplete=\"email\" required aria-required=\"true\">\n        <label for=\"k-phone\">Phone<\/label>\n        <input id=\"k-phone\" type=\"tel\" name=\"phone\" autocomplete=\"tel\" required aria-required=\"true\">\n        <label for=\"k-msg\">Your case<\/label>\n        <textarea id=\"k-msg\" name=\"message\" required aria-required=\"true\" placeholder=\"Briefly describe what happened and what you need\u2026\"><\/textarea>\n        <label class=\"optin\"><input type=\"checkbox\" required name=\"rodo\" aria-required=\"true\"><span>I have read the <a href=\"\/en\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">privacy information<\/a> and consent to being contacted about my enquiry.<\/span><\/label>\n        <button class=\"btn\" type=\"submit\">Send \u2014 we reply within 24 h <span class=\"arr\">\u2192<\/span><\/button>\n      <\/form>\n      <aside class=\"k-side rv d2\">\n        <div class=\"pre\">Your contacts at BWLAW<\/div>\n        <a class=\"k-person\" href=\"\/en\/team\/artur-barczewski\/\">\n          <img decoding=\"async\" src=\"\/wp-content\/themes\/bwlaw-child-1\/assets\/img\/dr-artur-barczewski.webp\" alt=\"Dr. Artur Barczewski \u2013 Rechtsanwalt and attorney-at-law\" width=\"72\" height=\"72\" loading=\"lazy\">\n          <div><b>Dr. Artur Barczewski<\/b><div class=\"role\">Rechtsanwalt \u00b7 attorney-at-law<\/div><\/div>\n        <\/a>\n        <a class=\"k-person\" href=\"\/en\/team\/karolina-wroblewska\/\">\n          <img decoding=\"async\" src=\"\/wp-content\/themes\/bwlaw-child-1\/assets\/img\/dr-karolina-wroblewska.webp\" alt=\"Dr. Karolina Wr\u00f3blewska \u2013 Rechtsanw\u00e4ltin and attorney-at-law\" width=\"72\" height=\"72\" loading=\"lazy\">\n          <div><b>Dr. Karolina Wr\u00f3blewska<\/b><div class=\"role\">Rechtsanw\u00e4ltin \u00b7 attorney-at-law<\/div><\/div>\n        <\/a>\n        <ul>\n          <li>Reply within 24 hours<\/li>\n          <li>Advice in English, German and Polish<\/li>\n          <li>Quote before you instruct us<\/li>\n        <\/ul>\n        <a class=\"tel\" href=\"tel:+4933555310969\">\u260e +49 335 553 10969<\/a>\n      <\/aside>\n    <\/div>\n  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Often a lawyer\u2019s letter with the threat of litigation is enough. Send us the documents \u2014 we will propose the fastest route.' },\n    { min: 5, cls: 'mid', title: 'A solid basis \u2014 strategy will decide', text: 'The claim is recoverable, but speed and cost depend on strategy: demand letter, payment order or straight to court. We assess the documents and the debtor\u2019s behaviour before you spend money on the wrong route.' },\n    { min: 0, cls: 'low', title: 'A difficult case \u2014 but let us see what can be saved', text: 'Old or poorly documented claims require a review of limitation and evidence. Sometimes part can still be recovered \u2014 for example after acknowledgment or partial payments. One call will give you clarity.' }\n  ]\n}\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Construction law Debt collection Corporate law Employment law Cars Knowledge base Team Contact a lawyer \u2192 \u2630 Home\/Practice areas\/Debt collection Debt collection in Germany Your debtor will not pay? We recover your money. We handle debt collection from the first demand letter to enforcement \u2014 as lawyers, not a collection agency. A letter from a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4397,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-bwlaw-page.php","meta":{"footnotes":"","rank_math_title":"Debt collection in Germany and Poland | BWLAW","rank_math_description":"Your debtor will not pay? Demand letter, payment order, lawsuit and enforcement \u2014 the whole chain in one firm. 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