The ongoing digitization of the judiciary, the new version of the Electronic Writ-of-Payment Procedure (EPU), and AI-based tools represent the biggest shift in the debt collection industry in years. Mirosław Wnuk, Head of Debt Collection Development at VSoft SA, discusses the planned implementations and their impact on institutions managing receivables.
The year 2026 is shaping up to be groundbreaking for debt collection and court processes. What changes will be key?
Mirosław Wnuk: The most important changes are those related to the ongoing digitization of the judiciary. The Ministry of Justice is consistently focusing on digitalizing the courts, and amendments to the Code of Civil Procedure will enable two-way communication with the court through the Common Courts Information Portal. Starting in March, it will be possible to submit mediation-related documents, and from 2027, communication through the portal will become mandatory for legal counsels and all parties to court proceedings.
What does this mean for institutions that mass-file cases with the courts?
M.W.: Above all, it opens the door to automation. We have high hopes for improvements in communication with the court and the acceleration of proceedings. We expect that signed documents prepared in a debt collection system or in a law firm case management system will be transferrable automatically through dedicated APIs. This will significantly reduce the costs of delivering and transferring documents. For institutions handling many proceedings simultaneously—both large creditors and debt collection companies—this will be an enormous convenience. In 2027, communication through the portal will become de facto mandatory.
Electronic Writ-of-Payment Procedure — what changes await this system?
M.W.: The new version of the EPU, scheduled to go live in June 2026, is a major step forward. The system will be integrated with state registries—PESEL, KRS, and TERYT—which will allow for automatic verification of data in lawsuits and eliminate many formal errors. In subsequent stages, users will be able to download full case documentation, including scans of the defendant’s submissions, make electronic payments, or handle currencies other than Polish zloty. These solutions will significantly speed up the work of both court clerks and creditors.
What does this mean for financial institutions and debt collection companies?
M.W.: It will be necessary to adapt existing systems or use ready-made solutions. We are working on updating the VSoft e-Court Collection connector, and our experience in cooperating with large institutions enables us to effectively prepare communication with EPU 3.0. Interest is also growing in low-code solutions such as our archITekt platform, which allows for flexible expansion of internal systems and adaptation to regulatory changes.
Which AI applications are currently most important in the industry?
M.W.: We’re past the storytelling stage—this is the phase of real deployment. Artificial intelligence is being actively used. AI models help interpret document content, extract key information, and process the resulting data. AI also supports case-law analysis and the development of knowledge bases, significantly accelerating processes. Legal language is highly structured, which makes it especially suitable for AI tools. We also use AI for decision modeling—evaluating the profitability of enforcement or selecting strategies for handling a client. Of course, careful data security and regulatory compliance remain essential. For institutions, this is an opportunity to increase operational efficiency and reduce costs, while for technology companies it supports market development in this field. We are well-prepared to meet these challenges.
