Art. 777 of the Polish Code of Civil Procedure – What Is a Voluntary Submission to Enforcement and How Does It Work?

Securing a loan based on Article 777 §1 point 5 of the Polish Code of Civil Procedure is an effective way for a lender to protect themselves against unpaid debt. By signing a statement of voluntary submission to enforcement, the borrower enables the lender to initiate debt collection proceedings through a bailiff without the need for lengthy court proceedings.

What Is Article 777 §1 Point 5 of the Polish Code of Civil Procedure?

This legal provision allows a creditor (such as PaveNow) to safeguard repayment through a notarial deed, in which the borrower voluntarily agrees to enforcement in case of non-repayment. This document serves as an enforcement title, recognized by the court.

What Are the Benefits of the Article 777 Statement for Borrowers?

• 🕒 Time savings – no need for court proceedings if repayment fails.
• 💸 Lower costs – no court fees or legal expenses.
• 🤝 Transparent terms – you know exactly what you're signing and under what conditions it may be used.
• 🔐 Only if needed – the notarial act is activated only in case of default.
• 💼 Industry standard – this type of security is commonly used by financial institutions in Poland.

What Does Article 777 Mean for You as a Borrower?

By signing the Article 777 statement:

• You voluntarily declare that if you do not fulfill the agreement, you accept enforcement of the debt.
• You help both parties avoid the time and costs of court proceedings.
• It's purely a security measure – used only if you fail to meet your obligations.

How Does the Notarization Process Work?

Step 1 – Schedule an appointment
PaveNow will assist you in scheduling a visit with a notary. In Warsaw, our partners operate in locations such as al. Sikorskiego and Plac Bankowy 1.

Step 2 – Bring your ID
The notary will require a valid ID card or passport.

Step 3 – Sign the statement
The notary will read the document aloud and ask for your signature. This creates a notarial act with an enforcement clause.
✅ PaveNow covers the full cost of the notarial visit – you don’t pay anything for this process.

Why Does PaveNow Use Article 777 as a Form of Security?

As a responsible lender, we want to provide financing to individuals who may have limited credit history, while also protecting our company from the risk of non-repayment.

The Article 777 statement:

• Allows us to initiate enforcement without waiting for a court judgment.
• Helps reduce enforcement costs for both parties.
• Enables us to offer better loan terms to our clients.

This is not a sign of mistrust, but a standard security mechanism commonly used in Poland for higher-value commitments.

Have Questions?

We’re here to help:

• ✅ Schedule a notary appointment
• ✅ Explain the details of the process
• ✅ Answer any questions you may have

📩 Contact the PaveNow team today – we’ll guide you every step of the way!‍