In fresh months, more and more Poles have been experiencing direct visits of bailiffs in their homes. This phenomenon is expanding due to the increasing public debt and the introduction of fresh rules on bailout execution from 1 January 2025. It is worth to realize the rights of bailiffs, the obligations of debtors and the changes introduced this year.
Growing debt of Poles
According to the 2023 data, the number of execution cases conducted by bailiffs increased by respective twelve percent compared to the erstwhile year, and the average debt increased by respective 1000 zlotys per person. evidence debt of Poles reaches already PLN 86.5 billion, which leads the bailiffs to more frequent direct interventions.
New rules on bailout in 2025
As of 1 January 2025, the revised provisions concerning the execution of bailiffs in Poland apply. The most crucial change is the increase amount free of repo in bank accounts to PLN 3499.50, which represents 75% of the minimum wage for work which has been paid since the fresh year PLN 4666. In this way, indebted persons are guaranteed the essential resources for regular life, despite their execution.
Procedures for the operation of the bailiffs
Chambers shall be entitled to direct visits to the debtor's place of residence for execution. According to Article 814 of the Code of civilian Procedure, the bailiff may enter the premises even in the absence of the owner and without his consent. In situations requiring execution purposes, the bailiff has the right to order the beginning of the flat and all indoor spaces.
Protection of debtors from excessive execution
The fresh provisions introduced in 2025 aim to defend debtors from excessive deductions. In addition to expanding the amount free from seizure, there were besides limits on pay classes. The bailiff must at least leave the debtor PLN 3499.50 from salary, which aims to supply resources for basic life needs.
Consequences of entry in the debtor register
Creditors may besides enter the debtor in the debtor's register, in addition to their bailiff activities. specified an alert may importantly impede access to loans, loans and another financial services, which further complicates the financial situation of the debtor.
How can we avoid visiting a bailiff?
To minimise the hazard of direct bailout intervention, it is worth:
- Regularly monitor its financial commitments: Avoid delays in repayments and effort not to incur excessive debts.
- Negotiate repayment terms with creditors: In many cases it is possible to fix convenient instalments or postpone payment deadlines.
- Use professional legal assistance: Specialists can aid to negociate and find optimal legal solutions.
The increase in the number of chamber executions and the introduction of fresh regulations in 2025 are a signal to Poles about the request for liable financial management. Awareness of their rights and obligations, as well as active action towards repayment, can aid avoid unpleasant visits by the bailiffs and their consequences.
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