According to the report, this spike reveals both, growing debt, with 2.1 million classified as unreliable debtors owing nearly PLN 47 billion (about EUR 10.84 billion), and concerns about irresponsible borrowing, as 22% of those checked tried to get new loans despite existing debt.

These debts range from bills to alimony, affecting young and old alike.

Unreliable debtors risk having their negative payment history hinder future borrowing.

While this scrutiny may seem harsh, transparency exists as debtors are informed beforehand, allowing them to rectify their situation.