An e-court payment order and the bailiff: from claim to enforcement

1. You instruct us and we prepare the claim

We first establish who owes the money, the underlying transaction and the outstanding balance. You provide invoices, supporting records and payment history. After checking the procedure’s conditions and agreeing costs, we prepare the e-court claim file. The creditor remains the claimant and files the claim themselves through their own e-court account.

2. What does a court payment order mean?

A payment order is a court decision on the claim. It does not guarantee immediate payment or automatically authorise seizure of the debtor’s bank account. We monitor the outcome and case status to establish the appropriate next step.

Ministerstwo Sprawiedliwości — e-Sąd

3. When can the case go to a bailiff?

This route requires a final payment order with an enforceability clause: an enforceable title. The e-court grants the clause of its own motion after the order becomes final. We check the document and current balance, then handle the enforcement application. Once full payment is recorded, the same amount must not be pursued again.

e-Sąd — tytuł wykonawczy i wniosek egzekucyjny

4. You nominate the bailiff; we handle the referral

At the enforcement stage, you nominate the bailiff’s office. We check whether the case can be referred there and handle the application with the necessary information. Statutory limits apply to the choice: territorial jurisdiction, the type of enforcement and grounds for declining a case may matter. Not every case can go to any office in Poland.

Enforcement measures are carried out by the court bailiff. Saldora handles the referral; it does not replace the bailiff in seizing assets. New payments must be accounted for promptly so the enforcement amount reflects the actual debt.

Ustawa o komornikach sądowych — art. 10

5. What if the debtor objects?

A valid objection affects whether enforcement can proceed. In the e-court, proceedings are discontinued to the extent that the order has lost effect. We then discuss the next recovery route, required documents and the scope of handling outside that procedure with the creditor. A claim cannot be enforced without an effective enforceable title for that part.

Sąd Rejonowy w Płocku — skutki sprzeciwu w e-Sądzie

6. How is the full process priced?

Amicable recovery includes the PDF demand. Preparing the e-court claim has a separate fixed price based on the debt band and includes preparing the claim file for you to file. Once an enforceable title is obtained, we handle referral to the nominated bailiff. Court fees, expenses and enforcement costs are separate; they are not a Saldora commission on recovered funds.

Before each stage starts, you know its scope and applicable fees. The court outcome and enforcement success depend on the case, including the debtor’s assets. Full service means handling the formalities, not a promise to recover every debt.

Enforcement costs and who ultimately bears them

The court fee for an electronic writ-of-payment claim and the costs of bailiff enforcement are advanced by the creditor, and the court and the bailiff then award them against the debtor. Being awarded is not the same as being recovered: if the debtor has no assets, the awarded costs stay on paper alongside the principal.

So the decision to enforce is worth making with an estimate of what can actually be recovered. For a debt of a few hundred zloty against a debtor with no identified assets, the cost of the whole path may exceed the amount in dispute. For a debt in the tens of thousands the proportions are entirely different, and a court fee of a few hundred zloty is marginal.

Saldora takes no commission on recovered amounts at any stage, so our price does not grow with the value of the case beyond the pricing bands and does not depend on whether enforcement succeeds. That removes one conflict of interest, but it does not take away your decision on whether the case is worth pursuing.

What to do before the case reaches a bailiff

Enforcement works on assets that can be identified. Before filing the application it pays to gather what you know: a bank account number from past transfers, the registered address and any property addresses, the names of the debtor's own customers, vehicles visible in the market. A bailiff has tools for tracing assets, but naming concrete leads shortens the path and lowers the cost.

It is also worth checking whether the debtor is still trading and whether restructuring or insolvency proceedings have been opened against them. Opening such proceedings changes the rules: individual enforcement gives way to a collective procedure, and the deadline for filing a claim is limited.

Finally: the older the debt, the smaller the chance of recovery. Claims between businesses generally become time-barred after three years, and the passage of time alone reduces the likelihood that the debtor has anything to pay with. A case pursued from the first week after the due date has a different value than the same claim two years later.