How to check your debt?

The request to pay the debt that comes to our address can cause a lot of consternation, especially if we have long forgotten about this matter. Even a small fine or not paying your credit card on time can make us become a debtor. How to check if you are on the list of debtors?

The results of the “Intergenerational debt talks” report, prepared by TNS Polska at the request of the PRUK Group, show that every fourth respondent (23 percent) has a problem with paying their debts – relatives, i.e. parents, siblings, and relatives become rescue (yes 62% of respondents declare), as well as debt assistance offered by a debt management company (19%).


When do we become debtors?

The situation is simple when we are aware of the arising debt, for example it is the result of losing a job, illness or unexpectedly more important expenses. The matter gets complicated when we don’t know about debt at all … How is that possible? It turns out that we often forget about small obligations, unpaid phone bill or fine. Unfortunately, forgetfulness does not mean cancellation, and the debt itself can be taken over by a debt service company that will demand not only the repayment of the entire amount, but also add debt collection costs.

In the absence of an amicable settlement of the case and a declaration of willingness to repay, the court and the bailiff enter, and the debtor’s data itself can be placed in economic information bureaus. People in such a register have a problem with obtaining a loan and installments for purchases, they may even have a problem signing a subscription contract.

What you should know about is that such debt registers are regulated by law. If the debt is more than $ 200 and the delay in repayment is a minimum of 30 days, then the name may appear in the register of debtors. As you can see, even a small amount can have more serious consequences in the future, so try to avoid delays in repayment of such obligations, and once you receive a call, do not ignore it!


What are indebted registers?

What are indebted registers?

The creditor has the right to place data in BIG, i.e. in the Economic Information Bureau. The main tasks of BIG include collecting and sharing data on unreliable payers, the so-called negative entry. There is also a good side of such a register: it also shows positive information about payers who make payments on time. All you have to do is submit an appropriate application to the service provider so that the annotation appears next to the name.


BIG and BIK – what are the differences?

Another important distinction: BIG is completely different from BIK. Biuro Informacji Kredytowej is an enterprise founded by the Polish Bank Association and private banks. Its task is to collect and share data on the credit history of bank customers, credit unions and non-bank loan companies.

BIG are registers of private companies. There are already six institutions of this type in Poland, of which the most common are ERIF Economic Information Bureau, BIG InfoMonitor and the National Debt Register (KRD). Importantly, they are competitive to each other, which means that lists of debtors do not match. Therefore, the name of the person in debt can hit up to five different black lists.


I am in debt – what to do?

I am in debt - what to do?

If you’ve already received a payment request, don’t panic. Read the information carefully. Check in the register of debtors, e.g. ERIF BIG SA, what is your arrears and who to contact to clarify this topic. To check economic information about yourself in the ERIF Economic Information Bureau, go to, create a free account, confirm data compliance and download a report about yourself. The report includes information on arrears and regular payments. Then verify your financial capabilities and try to pay the debt back on time – for that you can receive positive information. Contact with the creditor will allow you to negotiate the appropriate amount of installments and as a consequence the negative entry will be deleted.

IMPORTANT! Once every six months, you have the opportunity to check your information free of charge – exercise this right of access to information!

A similar course of action is when the debt service company sent a call. This means that the debt has been taken over and you may be charged additional costs – debt collection, and then debt collection. However, we calm down: debt collection companies want to settle the matter amicably, which is why they offer flexible forms of assistance for those in debt. Sometimes, along with the documents, you get an attached letter about spreading out in installments or tips on how to get help getting out of debt.


First of all: don’t ignore the debt, talk!

First of all: don

The basis for paying off any debt is contact with the creditor, especially since in this way you get the chance to settle the matter amicably, which in turn translates into smaller installments or even cancellation of additional costs (such as interest). First of all, you will avoid court and bailiff proceedings. What will you gain The possibility of paying in installments, which will be tailored to your income and life situation.

Remember: contact with a debt service company and willingness to pay in installments is a chance to quickly get out of debt and remove data from the list of indebted persons.

Fortunately, this contact is facilitated today thanks to the Internet. The Chris Tijens platform is a great way even for the first contact with the creditor. If you don’t want to, you don’t even have to contact customer service in person. The Chris Tijens online platform allows you to track your debt status on an ongoing basis, and even allows you to request a change in your repayment schedule to match your monthly installments with your financial situation.

Thanks to spreading the debt into installments, you will regain financial liquidity and mental comfort faster. Do not ignore your debts, because you ignore the chance to solve your problem.

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