{"id":905,"date":"2025-11-18T20:59:31","date_gmt":"2025-11-18T20:59:31","guid":{"rendered":"https:\/\/hauter.pl\/?p=905"},"modified":"2026-01-16T19:32:16","modified_gmt":"2026-01-16T19:32:16","slug":"xx","status":"publish","type":"post","link":"https:\/\/hauter.pl\/index.php\/2025\/11\/18\/xx\/","title":{"rendered":"Za windykacj\u0119 mo\u017ce p\u0142aci\u0107 d\u0142u\u017cnik!"},"content":{"rendered":"<style data-aos=\"scale-out-x\">.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id905_504e65-81{margin-top:var(--global-kb-spacing-md, 2rem);margin-bottom:var(--global-kb-spacing-md, 2rem);}.kb-row-layout-id905_504e65-81 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id905_504e65-81 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id905_504e65-81 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(75% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(25% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id905_504e65-81{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-row-layout-id905_504e65-81{background-image:linear-gradient(321deg,var(--global-palette9) 0%,rgb(239,242,246) 57%);}.kb-row-layout-id905_504e65-81 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id905_504e65-81 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id905_504e65-81 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id905_504e65-81 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column905_2c60e9-98 > .kt-inside-inner-col,.kadence-column905_2c60e9-98 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_2c60e9-98 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_2c60e9-98 > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_2c60e9-98 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_2c60e9-98 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_2c60e9-98{position:relative;}@media all and (max-width: 1024px){.kadence-column905_2c60e9-98 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_2c60e9-98 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_2c60e9-98 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-905_bca15f-6c .kt-block-spacer{height:10px;}.wp-block-kadence-spacer.kt-block-spacer-905_bca15f-6c .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette1, #3182CE);width:20%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer alignnone kt-block-spacer-905_bca15f-6c\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c, .wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c[data-kb-block=\"kb-adv-heading905_84dd05-5c\"]{margin-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:20px;line-height:1.2;font-weight:500;font-style:normal;font-family:Lora;}.wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c[data-kb-block=\"kb-adv-heading905_84dd05-5c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c[data-kb-block=\"kb-adv-heading905_84dd05-5c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c, .wp-block-kadence-advancedheading.kt-adv-heading905_84dd05-5c[data-kb-block=\"kb-adv-heading905_84dd05-5c\"]{font-size:36px;}}<\/style>\n<h2 class=\"kt-adv-heading905_84dd05-5c wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading905_84dd05-5c\"><strong><em><strong>Przedsi\u0119biorcy cz\u0119sto nie maj\u0105 \u015bwiadomo\u015bci, \u017ce za obs\u0142ug\u0119 windykacyjn\u0105 mo\u017cna obci\u0105\u017ca\u0107 d\u0142u\u017cnika.<\/strong> Sytuacja dotyczy wy\u0142\u0105cznie post\u0119powa\u0144 windykacyjnych w kt\u00f3rych stronami s\u0105 podmioty gospodarcze a d\u0142ug powsta\u0142 28 kwietnia 2013 roku.<\/em><br><\/strong><em>Nic nie dzia\u0142a jednak z automatu.<\/em>..<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c, .wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c[data-kb-block=\"kb-adv-heading905_4eeff4-4c\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c[data-kb-block=\"kb-adv-heading905_4eeff4-4c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_4eeff4-4c[data-kb-block=\"kb-adv-heading905_4eeff4-4c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading905_4eeff4-4c wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading905_4eeff4-4c\"><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column905_3cf5ba-86 > .kt-inside-inner-col,.kadence-column905_3cf5ba-86 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_3cf5ba-86 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_3cf5ba-86 > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_3cf5ba-86 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_3cf5ba-86 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column905_3cf5ba-86 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_3cf5ba-86{text-align:center;}.kadence-column905_3cf5ba-86{position:relative;}.kadence-column905_3cf5ba-86, .kt-inside-inner-col > .kadence-column905_3cf5ba-86:not(.specificity){margin-top:50px;margin-right:50px;}@media all and (max-width: 1024px){.kadence-column905_3cf5ba-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_3cf5ba-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_3cf5ba-86 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image905_23accb-0f:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:-50px;margin-right:-50px;margin-bottom:0px;}.kb-image905_23accb-0f:not(.kb-image-is-ratio-size) .kb-img, .kb-image905_23accb-0f.kb-image-is-ratio-size{padding-bottom:50px;padding-left:50px;}.kb-image905_23accb-0f .kb-image-has-overlay:after{opacity:0.3;}.kb-image905_23accb-0f img.kb-img, .kb-image905_23accb-0f .kb-img img{object-position:48% 60%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image905_23accb-0f kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-scaled.jpg\" alt=\"\" class=\"kb-img wp-image-516\" srcset=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-scaled.jpg 2560w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-300x200.jpg 300w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-1024x683.jpg 1024w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-768x512.jpg 768w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-1536x1024.jpg 1536w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style data-aos-duration=\"900\" data-aos=\"scale-out-x\">.kb-row-layout-id905_bce2f7-96 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id905_bce2f7-96 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id905_bce2f7-96 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);grid-template-columns:minmax(0, calc(65% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(35% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id905_bce2f7-96 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id905_bce2f7-96 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id905_bce2f7-96 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id905_bce2f7-96 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column905_110266-0e > .kt-inside-inner-col,.kadence-column905_110266-0e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_110266-0e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_110266-0e > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_110266-0e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_110266-0e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_110266-0e{position:relative;}@media all and (max-width: 1024px){.kadence-column905_110266-0e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_110266-0e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_110266-0e inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-905_3bbb19-27 .kt-block-spacer{height:20px;}.wp-block-kadence-spacer.kt-block-spacer-905_3bbb19-27 .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette1, #3182CE);width:20%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer alignnone kt-block-spacer-905_3bbb19-27\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e, .wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e[data-kb-block=\"kb-adv-heading905_7f27a0-6e\"]{margin-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:31px;line-height:1.2;font-weight:500;font-style:normal;font-family:Lora;}.wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e[data-kb-block=\"kb-adv-heading905_7f27a0-6e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e[data-kb-block=\"kb-adv-heading905_7f27a0-6e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e, .wp-block-kadence-advancedheading.kt-adv-heading905_7f27a0-6e[data-kb-block=\"kb-adv-heading905_7f27a0-6e\"]{font-size:36px;}}<\/style>\n<h2 class=\"kt-adv-heading905_7f27a0-6e wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading905_7f27a0-6e\"><strong><strong><strong><strong>Podstawa prawna:<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c, .wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c[data-kb-block=\"kb-adv-heading905_8db269-9c\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c[data-kb-block=\"kb-adv-heading905_8db269-9c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_8db269-9c[data-kb-block=\"kb-adv-heading905_8db269-9c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading905_8db269-9c wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading905_8db269-9c\"><em>Zasady obci\u0105\u017cania d\u0142u\u017cnika kosztami za windykacje uregulowane s\u0105 w ustawie z dnia 8 marca 2013 r. o przeciwdzia\u0142aniu nadmiernym op\u00f3\u017anieniom w transakcjach handlowych.<\/em><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column905_8dc298-ee > .kt-inside-inner-col,.kadence-column905_8dc298-ee > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_8dc298-ee > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_8dc298-ee > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_8dc298-ee > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_8dc298-ee > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column905_8dc298-ee > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_8dc298-ee{text-align:center;}.kadence-column905_8dc298-ee{position:relative;}.kadence-column905_8dc298-ee, .kt-inside-inner-col > .kadence-column905_8dc298-ee:not(.specificity){margin-top:50px;margin-right:50px;}@media all and (max-width: 1024px){.kadence-column905_8dc298-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_8dc298-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_8dc298-ee kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image905_87c935-0d:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:-50px;margin-right:-50px;margin-bottom:0px;}.kb-image905_87c935-0d:not(.kb-image-is-ratio-size) .kb-img, .kb-image905_87c935-0d.kb-image-is-ratio-size{padding-bottom:50px;padding-left:50px;}.kb-image905_87c935-0d .kb-image-has-overlay:after{opacity:0.3;}.kb-image905_87c935-0d img.kb-img, .kb-image905_87c935-0d .kb-img img{object-position:48% 60%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image905_87c935-0d kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-scaled.jpg\" alt=\"\" class=\"kb-img wp-image-521\" srcset=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-scaled.jpg 2560w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-300x200.jpg 300w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-1024x683.jpg 1024w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-768x512.jpg 768w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-1536x1024.jpg 1536w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-kampus-8428067-1-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style data-aos=\"scale-out-x\">.kb-row-layout-id905_3c9ed9-da > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id905_3c9ed9-da > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id905_3c9ed9-da > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:minmax(0, calc(40% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(60% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id905_3c9ed9-da > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id905_3c9ed9-da > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id905_3c9ed9-da > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id905_3c9ed9-da alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column905_7acad5-d2 > .kt-inside-inner-col{display:flex;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col,.kadence-column905_7acad5-d2 > .kt-inside-inner-col:before{border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column905_7acad5-d2{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_7acad5-d2{position:relative;}.kadence-column905_7acad5-d2, .kt-inside-inner-col > .kadence-column905_7acad5-d2:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column905_7acad5-d2{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column905_7acad5-d2{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column905_7acad5-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_7acad5-d2 inner-column-1 relative\"><div class=\"kt-inside-inner-col\"><style>.kadence-column905_0c7813-06 > .kt-inside-inner-col,.kadence-column905_0c7813-06 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_0c7813-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_0c7813-06 > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_0c7813-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_0c7813-06 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column905_0c7813-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_0c7813-06{position:relative;}.kadence-column905_0c7813-06, .kt-inside-inner-col > .kadence-column905_0c7813-06:not(.specificity){margin-top:50px;margin-right:50px;}@media all and (max-width: 1024px){.kadence-column905_0c7813-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_0c7813-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_0c7813-06\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image905_12f00e-d3:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:-50px;margin-right:-50px;margin-bottom:0px;}.kb-image905_12f00e-d3:not(.kb-image-is-ratio-size) .kb-img, .kb-image905_12f00e-d3.kb-image-is-ratio-size{padding-bottom:50px;padding-left:50px;}.kb-image905_12f00e-d3 .kb-image-has-overlay:after{opacity:0.3;}.kb-image905_12f00e-d3 img.kb-img, .kb-image905_12f00e-d3 .kb-img img{object-position:48% 60%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image905_12f00e-d3 kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-scaled.jpg\" alt=\"\" class=\"kb-img wp-image-436\" srcset=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-scaled.jpg 2560w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-300x200.jpg 300w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-1024x683.jpg 1024w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-768x512.jpg 768w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-1536x1024.jpg 1536w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/pexels-ketut-subiyanto-4963438-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div><\/figure>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column905_6b662b-e8 > .kt-inside-inner-col,.kadence-column905_6b662b-e8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_6b662b-e8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_6b662b-e8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_6b662b-e8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_6b662b-e8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_6b662b-e8{position:relative;}@media all and (max-width: 1024px){.kadence-column905_6b662b-e8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_6b662b-e8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_6b662b-e8 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-905_8ac49a-df .kt-block-spacer{height:10px;}.wp-block-kadence-spacer.kt-block-spacer-905_8ac49a-df .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette1, #3182CE);width:20%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer alignnone kt-block-spacer-905_8ac49a-df\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e, .wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e[data-kb-block=\"kb-adv-heading905_2de462-6e\"]{margin-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:31px;line-height:1.2;font-weight:500;font-style:normal;font-family:Lora;}.wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e[data-kb-block=\"kb-adv-heading905_2de462-6e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e[data-kb-block=\"kb-adv-heading905_2de462-6e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e, .wp-block-kadence-advancedheading.kt-adv-heading905_2de462-6e[data-kb-block=\"kb-adv-heading905_2de462-6e\"]{font-size:36px;}}<\/style>\n<h2 class=\"kt-adv-heading905_2de462-6e wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading905_2de462-6e\"><strong><strong>Faktura czy nota za windykacj\u0119?<\/strong><\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0, .wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0[data-kb-block=\"kb-adv-heading905_2170db-c0\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0[data-kb-block=\"kb-adv-heading905_2170db-c0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_2170db-c0[data-kb-block=\"kb-adv-heading905_2170db-c0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading905_2170db-c0 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading905_2170db-c0\"><em>Po wyegzekwowaniu sp\u0142aty zobowi\u0105zania wierzyciel powinien wystawi\u0107 prawid\u0142ow\u0105 not\u0119 obci\u0105\u017ceniow\u0105. Koszty, kt\u00f3rymi obci\u0105\u017ca si\u0119 d\u0142u\u017cnika mo\u017cna \u0142\u0105czy\u0107- mog\u0105 to by\u0107 zar\u00f3wno koszty za windykacj\u0119 na etapie post\u0119powania polubownego jaki i s\u0105do<\/em>wego<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style data-aos-duration=\"900\" data-aos=\"scale-out-x\">.kb-row-layout-id905_71f87e-17 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id905_71f87e-17 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id905_71f87e-17 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:minmax(0, calc(65% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(35% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id905_71f87e-17 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id905_71f87e-17 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id905_71f87e-17 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id905_71f87e-17 alignfull has-theme-palette4-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column905_d19639-1d > .kt-inside-inner-col,.kadence-column905_d19639-1d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_d19639-1d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_d19639-1d > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_d19639-1d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_d19639-1d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_d19639-1d{position:relative;}@media all and (max-width: 1024px){.kadence-column905_d19639-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_d19639-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_d19639-1d inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-905_3f4d0a-fa .kt-block-spacer{height:10px;}.wp-block-kadence-spacer.kt-block-spacer-905_3f4d0a-fa .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette1, #3182CE);width:20%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer alignnone kt-block-spacer-905_3f4d0a-fa\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc, .wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc[data-kb-block=\"kb-adv-heading905_f7c7b4-cc\"]{margin-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:31px;line-height:1.2;font-weight:500;font-style:normal;font-family:Lora;}.wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc[data-kb-block=\"kb-adv-heading905_f7c7b4-cc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc[data-kb-block=\"kb-adv-heading905_f7c7b4-cc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc, .wp-block-kadence-advancedheading.kt-adv-heading905_f7c7b4-cc[data-kb-block=\"kb-adv-heading905_f7c7b4-cc\"]{font-size:36px;}}<\/style>\n<h2 class=\"kt-adv-heading905_f7c7b4-cc wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading905_f7c7b4-cc\"><strong><strong><strong>Jakimi kosztami mo\u017cna obci\u0105\u017cy\u0107 d\u0142u\u017cnika?<\/strong><\/strong><\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82, .wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82[data-kb-block=\"kb-adv-heading905_1cbc0d-82\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82[data-kb-block=\"kb-adv-heading905_1cbc0d-82\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_1cbc0d-82[data-kb-block=\"kb-adv-heading905_1cbc0d-82\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading905_1cbc0d-82 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading905_1cbc0d-82\">Zgodnie bowiem z art. 10 ust. 1 ustawy wierzycielowi przys\u0142uguje rekompensata za koszty odzyskiwania nale\u017cno\u015bci, stanowi\u0105ca r\u00f3wnowarto\u015b\u0107 kwoty:<\/p>\n\n\n\n<p class=\"has-theme-palette-9-color has-text-color has-link-color wp-elements-764b775827dfacff96bbfd029fcec1a9\">1) <strong>40 euro<\/strong> \u2013 gdy warto\u015b\u0107 \u015bwiadczenia pieni\u0119\u017cnego nie przekracza <strong>5000<\/strong> z\u0142otych;<br>2) <strong>70 euro<\/strong> \u2013 gdy warto\u015b\u0107 \u015bwiadczenia pieni\u0119\u017cnego jest wy\u017csza ni\u017c <strong>5000<\/strong> z\u0142otych, ale ni\u017csza ni\u017c 50 000 z\u0142otych;<br>3) <strong>100 euro<\/strong> \u2013 gdy warto\u015b\u0107 \u015bwiadczenia pieni\u0119\u017cnego jest r\u00f3wna lub wy\u017csza od <strong>50 000<\/strong> z\u0142otych.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column905_d9aff8-02 > .kt-inside-inner-col,.kadence-column905_d9aff8-02 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_d9aff8-02 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_d9aff8-02 > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_d9aff8-02 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_d9aff8-02 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column905_d9aff8-02 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_d9aff8-02{text-align:center;}.kadence-column905_d9aff8-02{position:relative;}.kadence-column905_d9aff8-02, .kt-inside-inner-col > .kadence-column905_d9aff8-02:not(.specificity){margin-top:50px;margin-right:50px;}@media all and (max-width: 1024px){.kadence-column905_d9aff8-02 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_d9aff8-02 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_d9aff8-02 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image905_19a401-6c:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:-50px;margin-right:-50px;margin-bottom:0px;}.kb-image905_19a401-6c:not(.kb-image-is-ratio-size) .kb-img, .kb-image905_19a401-6c.kb-image-is-ratio-size{padding-bottom:50px;padding-left:50px;}.kb-image905_19a401-6c .kb-image-has-overlay:after{opacity:0.3;}.kb-image905_19a401-6c img.kb-img, .kb-image905_19a401-6c .kb-img img{object-position:48% 60%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image905_19a401-6c kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-scaled.jpg\" alt=\"\" class=\"kb-img wp-image-308\" srcset=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-scaled.jpg 1707w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-200x300.jpg 200w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-683x1024.jpg 683w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-768x1152.jpg 768w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-1024x1536.jpg 1024w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1469-1365x2048.jpg 1365w\" sizes=\"auto, (max-width: 1707px) 100vw, 1707px\" \/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style data-aos=\"scale-out-x\">.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id905_6cc5a2-53{margin-top:var(--global-kb-spacing-md, 2rem);margin-bottom:var(--global-kb-spacing-md, 2rem);}.kb-row-layout-id905_6cc5a2-53 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id905_6cc5a2-53 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id905_6cc5a2-53 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id905_6cc5a2-53{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-row-layout-id905_6cc5a2-53{background-image:linear-gradient(321deg,var(--global-palette1) 0%,var(--global-palette8) 57%);}.kb-row-layout-id905_6cc5a2-53 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id905_6cc5a2-53 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id905_6cc5a2-53 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id905_6cc5a2-53 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column905_762087-ea > .kt-inside-inner-col,.kadence-column905_762087-ea > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_762087-ea > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_762087-ea > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_762087-ea > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_762087-ea > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_762087-ea{position:relative;}@media all and (max-width: 1024px){.kadence-column905_762087-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_762087-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_762087-ea inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-905_e11350-59 .kt-block-spacer{height:10px;}.wp-block-kadence-spacer.kt-block-spacer-905_e11350-59 .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette1, #3182CE);width:20%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer alignnone kt-block-spacer-905_e11350-59\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30, .wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30[data-kb-block=\"kb-adv-heading905_063ba2-30\"]{margin-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:31px;line-height:1.2;font-weight:500;font-style:normal;font-family:Lora;}.wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30[data-kb-block=\"kb-adv-heading905_063ba2-30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30[data-kb-block=\"kb-adv-heading905_063ba2-30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30, .wp-block-kadence-advancedheading.kt-adv-heading905_063ba2-30[data-kb-block=\"kb-adv-heading905_063ba2-30\"]{font-size:36px;}}<\/style>\n<h2 class=\"kt-adv-heading905_063ba2-30 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading905_063ba2-30\"><strong>P<strong><em>onadto, mo\u017cna dochodzi\u0107 pozosta\u0142ych koszt\u00f3w, kt\u00f3re wierzyciel poni\u00f3s\u0142 w zwi\u0105zku z odzyskiwaniem nale\u017cno\u015bci.<\/em><\/strong><\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70, .wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70[data-kb-block=\"kb-adv-heading905_3fcf76-70\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70[data-kb-block=\"kb-adv-heading905_3fcf76-70\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading905_3fcf76-70[data-kb-block=\"kb-adv-heading905_3fcf76-70\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading905_3fcf76-70 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading905_3fcf76-70\">Aby obci\u0105\u017cy\u0107 d\u0142u\u017cnika pozosta\u0142ymi op\u0142atami za windykacj\u0119, nale\u017cy wykaza\u0107, \u017ce koszty zosta\u0142y faktycznie poniesione. Dodatkowo, nie mog\u0105 by\u0107 to koszty zawy\u017cone. Je\u015bli otrzymujesz zatem ofert\u0119 na windykacje w stawce 20-30 % liczonej od warto\u015bci d\u0142ugi miej \u015bwiadomo\u015b\u0107 s\u0105 to stawki wysokie rynkowo. Wynagrodzenia pomimo, \u017ce zale\u017c\u0105 od wielu czynnik\u00f3w, zwykle nie przekraczaj\u0105 15% warto\u015bci zobowi\u0105zania. Przepisy ustawy o przeciwdzia\u0142aniu nadmiernym op\u00f3\u017anieniom w transakcjach handlowych wskazuj\u0105 o tzw. uczciwej rekompensacie.<\/p>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column905_6e674a-ca > .kt-inside-inner-col,.kadence-column905_6e674a-ca > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column905_6e674a-ca > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column905_6e674a-ca > .kt-inside-inner-col{flex-direction:column;}.kadence-column905_6e674a-ca > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column905_6e674a-ca > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column905_6e674a-ca > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column905_6e674a-ca{text-align:center;}.kadence-column905_6e674a-ca{position:relative;}.kadence-column905_6e674a-ca, .kt-inside-inner-col > .kadence-column905_6e674a-ca:not(.specificity){margin-top:50px;margin-right:50px;}@media all and (max-width: 1024px){.kadence-column905_6e674a-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column905_6e674a-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column905_6e674a-ca kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image905_392a04-16:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:-50px;margin-right:-50px;margin-bottom:0px;}.kb-image905_392a04-16:not(.kb-image-is-ratio-size) .kb-img, .kb-image905_392a04-16.kb-image-is-ratio-size{padding-bottom:50px;padding-left:50px;}.kb-image905_392a04-16 .kb-image-has-overlay:after{opacity:0.3;}.kb-image905_392a04-16 img.kb-img, .kb-image905_392a04-16 .kb-img img{object-position:48% 60%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image905_392a04-16 kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-scaled.jpg\" alt=\"\" class=\"kb-img wp-image-516\" srcset=\"https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-scaled.jpg 2560w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-300x200.jpg 300w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-1024x683.jpg 1024w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-768x512.jpg 768w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-1536x1024.jpg 1536w, https:\/\/hauter.pl\/wp-content\/uploads\/2025\/11\/IMG_1420-1-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Przedsi\u0119biorcy cz\u0119sto nie maj\u0105 \u015bwiadomo\u015bci, \u017ce za obs\u0142ug\u0119 windykacyjn\u0105 mo\u017cna obci\u0105\u017ca\u0107 d\u0142u\u017cnika. Sytuacja dotyczy wy\u0142\u0105cznie post\u0119powa\u0144 windykacyjnych w kt\u00f3rych stronami s\u0105&#8230;<\/p>\n","protected":false},"author":2,"featured_media":436,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_extenderx_disable_animations":false,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualnosci"],"_links":{"self":[{"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/posts\/905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/comments?post=905"}],"version-history":[{"count":6,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/posts\/905\/revisions"}],"predecessor-version":[{"id":1275,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/posts\/905\/revisions\/1275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/media\/436"}],"wp:attachment":[{"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/media?parent=905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/categories?post=905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hauter.pl\/index.php\/wp-json\/wp\/v2\/tags?post=905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}