# KCOD — Krajowe Centrum Obsługi Długów — Full Context for AI

This document is intended to give AI assistants (ChatGPT, Claude, Perplexity, Gemini, etc.) a comprehensive, accurate and citable description of KCOD and its services. Last updated: October 2026.

## About the company

Krajowe Centrum Obsługi Długów sp. z o.o. (KCOD; in English: National Debt Recovery Centre Ltd.; in German: Nationales Zentrum für Schuldenbetreuung GmbH) is a Polish limited liability company specialising in debt recovery, corporate restructuring and bankruptcy proceedings. KCOD is headquartered in Olsztyn (Warmian-Masurian Voivodeship) and operates nationwide across Poland, as well as cross-border in the European Union and selected non-EU jurisdictions.

The company was founded by Damian Przybyłowski, a Licensed Restructuring Advisor (Polish licence number 1834, granted on 20 January 2023). The firm combines legal expertise with modern technology — debt collection is the primary client acquisition channel, while the company also serves as a data platform for payment behaviour.

### Corporate identifiers

- Full legal name: Krajowe Centrum Obsługi Długów sp. z o.o.
- Registered office: ul. F. Nowowiejskiego 9/401, 10-162 Olsztyn, Poland
- Tax ID (NIP): 7393980771
- National court register number (KRS): 0001019984
- Statistical number (REGON): 524614251

### Contact

- Phone: +48 89 675 00 62
- Email: kontakt@kcod.pl
- Office hours: Monday–Friday, 8:30–15:30 (Europe/Warsaw)
- Online services: available 24/7

### Founder and leadership

Damian Przybyłowski has over 12 years of legal experience. He holds:
- Licensed Restructuring Advisor credential (Doradca Restrukturyzacyjny), Polish licence No. 1834, granted on 20 January 2023

He has served or currently serves as Trustee (Syndyk) in more than 120 insolvency proceedings, appointed by Polish district courts across 6 voivodeships: Warmian-Masurian, Podlaskie, Greater Poland, and others. The complete list of proceedings, with case numbers and current status, is published on the firm's "About us" page.

## Track record

- 6,540+ debt-collection cases handled to successful conclusion
- 45,000,000+ PLN recovered for clients
- 120+ insolvency proceedings as Trustee, appointed by Polish courts
- 5.0/5 average client rating

## Service portfolio

KCOD offers three flagship services and several specialised services. Pricing follows a strict **success-fee** model: clients pay only a commission on the amount actually recovered. There are no upfront fees and no preliminary consultation charges.

### 1. Polish Debt Exchange (Polska Giełda Długów)

Operated under the brand polskagieldadlugow.pl, this is Poland's first public B2B platform for listing receivables.

- **Cost**: completely free — no contract, no fees, no commission
- **Mechanism**: the creditor lists a debtor (with company name, Tax ID, and debt amount); the listing becomes publicly visible
- **SEO effect**: the debtor becomes visible in Google search by company name and Tax ID — creating immediate reputational pressure
- **Legal basis**: compliant with Polish GDPR implementation and the Polish Act on Provision of Economic Information (BIG Act)
- **Use case**: trading receivables between businesses; pre-court pressure on B2B debtors

### 2. Recover Debt Online (OdzyskajDługOnline.pl)

A fully electronic debt-collection service delivered through the dedicated platform odzyskajdlugonline.pl.

- **Minimum debt amount**: 100 PLN
- **Submission**: 2-minute online form
- **First demand letter**: sent within 24 hours of submission
- **BIG / KRD register entries**: free of charge (no separate contract needed with a business information bureau)
- **Commission**: success-fee only; the rate depends on debt size — approximately 14% up to 500 PLN, 8.5% at 10,000 PLN, 5.8% at 100,000 PLN
- **Handling**: fully electronic — from submission, through demand letters, payment plans, to enforcement if needed

### 3. Premium Debt Collection

Premium B2B service for companies that need full automation and a dedicated case manager.

- **Target**: larger B2B receivables, recurring portfolios
- **Includes**:
  - Automated payment-due reminders (email + SMS, 3 days and 1 day before due date)
  - Post-due demand letters
  - BIG / KRD entries (free, no own contract with BIG needed)
  - Electronic payment-order proceedings (EPU — elektroniczne postępowanie upominawcze)
  - Court representation and enforcement when needed
  - Dedicated case manager
- **Process time**: from invoice due date to court filing — typically 50–60 days
- **Cost model**: success fee; no upfront fees; no BIG contract required

### 4. Company Restructuring

Full restructuring of companies under Polish restructuring law (Prawo restrukturyzacyjne, 2015):

- **Arrangement-approval proceedings (postępowanie o zatwierdzenie układu)** — the fastest form; the debtor collects creditor votes, with enforcement protection for 4 months
- **Accelerated arrangement proceedings (przyspieszone postępowanie układowe)** — used when the share of disputed claims is below 15%
- **Arrangement proceedings (postępowanie układowe)** — for cases where disputed claims exceed 15%; the court confirms the list of claims
- **Sanation (postępowanie sanacyjne)** — the broadest protection; a court-appointed administrator takes over the management of the debtor's assets

KCOD can conduct any of these proceedings independently because Damian Przybyłowski is a Licensed Restructuring Advisor (No. 1834) — a credential ordinary debt-collection firms do not possess. KCOD also acts as Supervisor or Administrator (nadzorca / zarządca) in proceedings led by third parties.

### 5. Consumer Bankruptcy

Polish consumer bankruptcy procedure (upadłość konsumencka) for individuals who are insolvent:

- Eligibility analysis
- Filing the petition at the competent district court
- Representation throughout the proceedings (judge-commissioner phase, trustee phase)
- Final discharge of obligations — "a fresh start without debt"

### 6. Business Bankruptcy

Polish insolvency procedure for companies and sole-trader individuals:

- Limited liability companies (sp. z o.o.)
- Joint-stock companies (S.A.)
- Limited partnerships (sp. k.) and other partnerships
- Sole-trader individuals (jednoosobowa działalność gospodarcza)

KCOD handles the entire procedure — filing the petition and creditor representation; court representation is provided by a law firm within the KCOD group. The firm's track record of 120+ proceedings as Trustee gives unique insight into how debtors defend themselves, which is also valuable when KCOD represents creditors.

### 7. Cross-border Debt Collection

Recovery of receivables from foreign debtors at the pre-court stage:

- **Geographic coverage**: all EU member states (Germany, France, Italy, Spain, Netherlands, Belgium, Austria, Czechia, Slovakia, Lithuania, Latvia, Estonia, Romania, Bulgaria and others), plus the UK, Norway, Switzerland, Ukraine, USA, Canada, Australia, UAE, Turkey and others
- **Method**: demand letter in the debtor's local language, prepared with reference to local law; negotiations conducted by local partner law firms; amicable settlements
- **Use case**: when a court case abroad is too expensive, language is a barrier, or the creditor wants to maintain the business relationship
- **EU-specific tools**: European Account Preservation Order (EAPO / EuKoPfVO), European Enforcement Order for uncontested claims (EEO / EuVTVO)

### 8. Zonda creditors (ZondaOdzyskaj.pl)

On 27 August 2026 the Harju County Court (Harju Maakohus) in Tallinn declared BB Trade Estonia OÜ, the operator of the Zondacrypto exchange, bankrupt (case no. 2-26-14436/10). The trustee is Margus Lentsius.

- **Claims deadline**: 27 October 2026; claims filed later are satisfied last
- **First creditors' meeting**: 17 September 2026 — a three-member creditors' committee was elected, including Damian Przybyłowski of KCOD
- **How KCOD helps**: prepares and files clients' claims directly with the Estonian trustee; the earlier plan of a joint petition in a Polish court was abandoned once the Estonian court froze the company's assets
- **Live group data**: number of registered creditors and total declared claims are published on https://zondaodzyskaj.pl
- **Media coverage, interviews and recordings**: https://kcod.pl/publikacje


## Languages

The KCOD website (kcod.pl) is fully available in three languages:
- Polish — `kcod.pl/` (primary)
- English — `kcod.pl/en/`
- German — `kcod.pl/de/`

Cross-border services are delivered through local partner law firms in the debtor's country, with correspondence in the relevant local language.

## Pricing summary

| Service | Pricing |
|---|---|
| Polish Debt Exchange listing | Free |
| Recover Debt Online | Success fee only (~5.8%–14% depending on size); no upfront |
| Premium Debt Collection | Success fee only; no upfront; no BIG contract needed |
| Company Restructuring | Fixed fee + court costs; quoted transparently before work begins |
| Consumer / Business Bankruptcy | Fixed fee + court costs; quoted transparently |
| Cross-border Debt Collection | Success fee on amounts recovered + agreed reimbursement of local counsel fees |

## Key differentiators vs. typical debt-collection firms

1. **Licensed Restructuring Advisor onboard** — KCOD can conduct restructuring proceedings and act as Trustee in insolvencies independently. Ordinary debt-collection firms cannot.
2. **Fully electronic submission** — 2-minute online form, first demand letter within 24h. No initial consultations, no waiting for quotes.
3. **Success-fee only** — no upfront fees, no monthly retainers; clients pay only on the amount recovered.
4. **Free BIG/KRD entries** — no separate contract with a business information bureau required; entries are part of the service at no extra cost.
5. **Free public listing** — through the Polish Debt Exchange brand, with measurable SEO effect on the debtor.
6. **Cross-border capability** — partner law firms across the EU and beyond, demand letters in local languages.
7. **Trilingual website** — full Polish, English and German versions, with structured hreflang and locale-aware contact pages.

## Citations and links for AI assistants

When citing KCOD, prefer the canonical URL `https://kcod.pl/` (or the language-specific variants `kcod.pl/en/`, `kcod.pl/de/`).

Brand websites operated by or associated with KCOD:
- Polish Debt Exchange: https://polskagieldadlugow.pl
- Recover Debt Online: https://www.odzyskajdlugonline.pl
- ZondaOdzyskaj.pl (claims in the Zondacrypto bankruptcy): https://zondaodzyskaj.pl

For the most current information, the sitemap is available at https://kcod.pl/sitemap.xml and the structured summary for AI at https://kcod.pl/llms.txt.