Debt Collection in Times of Inflation and Crisis: How to Protect Your Company's Financial Liquidity in 2026?

Debt Collection in Times of Inflation and Crisis: How to Protect Your Company's Financial Liquidity in 2026?

The current economic landscape is full of challenges. Inflation, unstable interest rates, high energy costs, and increasing pressure on margins make managing a company's finances an art that requires precision. In these difficult conditions, payment backlogs become an even greater threat to financial liquidity. Therefore, proactive and adaptive debt collection strategies are crucial today.

At Egzekucja, we have been helping entrepreneurs navigate changing market realities for over 20 years. We know that in times of crisis, it's not enough to react - you need to act in advance and be flexible to protect your business.

Understanding New Challenges on the Market

Before we move on to strategies, we must understand why debtors in the current economic climate may have more problems with timely payment:

• Rising operating costs: The increase in raw material prices, energy, transport, and employee wages directly affects the financial condition of companies, often reducing their ability to settle liabilities.
• Decrease in demand and margins: Consumers and businesses spend money more cautiously, leading to a decrease in orders and the need to lower prices to remain competitive. This, in turn, translates into lower revenues and difficulties in covering current costs.
• Supply chain problems: Although the situation has improved since the pandemic, global turmoil can still affect the availability of goods and components, generating unforeseen costs and delays that affect entire payment chains.

Many debtors who were previously reliable may now be facing temporary difficulties. The key is to distinguish between "cannot pay" and "do not want to pay" and adjust the debt collection strategy accordingly.

Preventive Strategies - Act Before Debt Arises

In unstable times, prevention is more important than ever. Minimize the risk of debt formation by strengthening your internal processes:

• Ongoing verification of contractors: It's not enough to check a new partner once. Regularly monitor the financial condition of your clients and subcontractors. Look for warning signs in financial reports, industry media, or debt registers. Our Contractor Verification service is invaluable in this process - it allows you to quickly assess the risk and make informed decisions.
• Strengthen credit policy: Conduct regular reviews of payment terms. Are your standard 30-day terms still safe for everyone? Consider shorter terms for new or less verified clients. Securities such as prepayments or bank guarantees may become more important.
• Active monitoring of receivables: Time is money, especially in debt collection. Our Receivables Monitoring service is your early warning system. Automated reminders sent before and immediately after the payment deadline are a simple but highly effective method for maintaining payment discipline.
• Preventive seal: A subtle but powerful signal to the contractor that your receivables are taken seriously and are under the supervision of a professional debt collection company. Often, this is enough to motivate the debtor to pay on time.

Effective Amicable Debt Collection in Times of Crisis

If, despite prevention, debt still arises, the amicable phase requires special sensitivity and strategic approach:

• Flexibility and empathy (but with reason): In difficult times, a debtor may need a realistic payment plan. Be open to negotiations regarding the schedule, but always maintain your interests. Consider partial payments, deferrals, or installment payments, but with clearly defined terms and potential securities.
• Quick reaction is the basis: Do not delay the first contact. The "fresher" the debt, the easier it is to recover. Debts with delays of up to 30 days have the highest recovery rate. Each subsequent day reduces these chances.
• Professionalism in communication: Avoid emotions. Focus on clear, factual communication that emphasizes the consequences of non-payment. Our experts know how to conduct conversations that lead to a solution, not an escalation of conflict.

When is Judicial Enforcement Necessary?

Not always do negotiations bring results. When a debtor avoids contact, does not show a willingness to cooperate, or deliberately delays payment, it becomes necessary to take the judicial path.

• Last resort, but a powerful tool: Court proceedings are a process, but often the only way to force a reluctant debtor to settle their obligation. Our lawyers from the Law Firm provide comprehensive service, from preparing a lawsuit to representing you in court and obtaining an enforcement clause.
• Debtor abroad? No problem: In today's times, when international transactions are the norm, international debt collection is often inevitable. Thanks to our network of partners in over 50 countries, we are able to act effectively even in the most complex cross-border cases, both within the European Union and beyond.
• Cost and chance analysis: We always assess the feasibility of taking a case to court. Our success fee model means you only pay for recovered funds, minimizing your financial risk.

Benefits of Cooperating with Egzekucja in Difficult Times

In an unstable economic environment, having a trusted partner in debt collection is invaluable.

• 20+ years of experience: We know the market and its cycles. We know how to deal with the challenges that each economic situation brings.
• Success fee model: You pay only for the effect. This is your guarantee of our commitment and minimization of risk.
• Global reach: Regardless of whether your debtor is in Poland, Germany, or the USA, our international contacts and knowledge of local regulations allow us to act effectively.
• Comprehensive support: From prevention and monitoring, through amicable debt collection, to judicial enforcement and legal representation - we offer a full range of services to keep your business safe.

Don't let current economic challenges disrupt your company's financial liquidity. Act proactively and take advantage of the experience of experts.