In KRUK we help repay debts. Every person who has a debt with KRUK Group may suggest their own, most favourable repayment terms. We will adjust to your financial capabilities and help free yourself from debt. 
Our customers, i.e. people in debt, are the most important to us. We treat them with respect and understanding for their difficult situation. We feel that there is always a way to come to an agreement.
We are willing to spread the due debt into instalments tailored to our customers' financial capabilities. Thus, step by step, they can find solutions to their financial problems.
Each case is viewed upon individually. We advise, explain the difficult issues, analyse the financial situation together and seek for the best solutions.
We have implemented several types of educational solutions aimed at broadening the knowledge the Poles have on the subject of finances and debts. Amongst others, we are the initiator of the Day without Debts, i.e. an annual educational event encouraging to pay one's debts. We also prepare educational materials, e.g. guides or comic books for children.

„This in an open, inviting company, willing to go along with.”

"I doubted this whole KRUK business, but it turned out just superb. I was afraid of high instalments. But then, when they finally sent them, we all felt satisfied with the solution.”

„They are very understanding, but you have to talk with them. They go out to the people with their offer. They won't force you, just adjust the instalments to your capabilities.”

”The debt collector can take half of your salary because he has the right to do anything he wants; it's hard to reach any agreement with him. KRUK is much more willing to come to an agreement.”

”They reach out to people, the send you specially prepared forms to fill out, and even a return envelope.”

”They employ normal people, who are willing to help.”

”I've signed the agreement and my case is finally coming to some positive end. Slowly, but I'll manage somehow.”

”I've decided to join KRUK, and the company helps me to pay off my debt nicely; otherwise, I'd be on the debt collector's list already. Some gentleman phoned me, then come to my house. We had a cultural conversation and I've already paid my first instalment. I am most pleased. One can now sleep well at night.”

”KRUK company has been very helpful and you could say that they've virtually saved my family's lives. We were paying back regularly until we were finally out of the woods.”


We are involved in debt servicing. We want to facilitate the repayment of debt by our customers and help them keep their finance on an even keel. Our pro-settlement strategy has been developed to meet our customers' needs. It enables debtors to get out of debt in a convenient and optimum manner adjusted to their individual situations. Each day we make every effort to understand our customers' needs and expectations. We analyse their needs, expectations, and satisfaction with the contact and solutions offered by our Group on a regular basis. Currently we are looking for new possibilities and methods that would meet the expectations placed upon us even more efficiently and help debtors return to the business trading market and regain financial credibility in less time.

Our actions are targeted at building positive and long-term relations with our customers. We know that once we establish good relations, in most of the cases the story of indebtedness will have a happy ending. We want there to be more similar stories!

Kruk Group has also signed the Principles of Good Practices developed by the Conference of Financial Companies (KPF) in Poland - a professional association we are a member of. This document describes the ethical principles which should underpin the activity of financial companies.

Our clients are people and companies struggling with indebtedness. We build positive relations with them and help them to regain their financial credibility. We uphold social and legal norms of debt repayment.
KRUK seeks to achieve the No. 1 position in the world in terms of market value among listed companies from our industry. We exceed the expectations of clients and business partners by building long-term and mutually beneficial relationships with them. We set new directions on the financial market by doing what we can be the best at in the world, which motivates us to action and builds the company’s value. We create an amazing and efficient work environment for positive people with passion.
  • We treat Clients with dignity
  • We help to get out of the debt trap
  • We care about the security of personal data
  • We do not make empty promises
  • We apply a unique approach to the expectations of each of our partners
  • We respect all our competitors
  • We keep the information confidential
  • We avoid conflict of interests
  • We work basing on transparent and fair rules
  • We are committed to long-term and lasting relationships
  • We respect opinions of all our employees
  • We protect the reputation of our company
  • We care about good relations inside the KRUK Group
  • We help each other
  • We are tolerant
  • We build relations based on mutual respect and partnership
  • We strive to constantly improve our qualifications

When communicating with our shareholders, we believe in values such as:

  • Truth
  • Comprehensiveness
  • Continuity
  • Speed
  • Intelligibility
Debtors Support Programme Association was established in 2013 in Poznań. The main objective of the Association is free and confidential legal and psychological assistance for debtors. The Association provides individual advisory as well as educational and workshop groups. The initiative to help debtors was born in 2010, when a group of people started making efforts to help people caught in a debt spiral in an organise manner. The motivator for action was when more and more people started to visit psychologists' offices and self-help facilities. In cooperation with the Association, we have created a guide "How we got out of debts. Stories and advice of debtors". The guide was distributed not only to KRUK's customers but also to the persons struggling with the problem of ineptness throughout Poland.  On the Day without Debts in 2014, together with the representatives of the Association, we gave advice on how to get out of debt in a dedicated info stand at Poznań Główny railway station. And already in 2015 we jointly trained the employees of the Municipal Social Welfare Centre in Poznań.
The Society for Promotion of Financial Education (SKEF) with its registered office in Gdynia was established in 1997. The initiative to set up SKEF was the belief, based on everyday practice, in the need to take educational actions that will spread the knowledge about financial instruments and markets.  SKEF is the Polish representative of the European Consumer Debt Network, an international organisation operating in the European Union, bringing together the institutions conducting activities for the prevention of excessive indebtedness of society on our continent.  The objectives of the Society for Promotion of Financial Education are among others: initiating, conducting, and supporting the activities for financial education, protecting and providing assistance to consumers, cooperating with institutions, e.g. schools. KRUK Group cooperates with SKEF under the "My first money" programme. Together we have prepared 2 editions of the "What is debt?" and "How to deal with debt?" comic books dedicated to the pupils of primary schools. On the basis of the comic books, lessons were conducted in schools cooperating with SKEF. Together with the Society, we have also prepared information campaigns on the occasion of Day without Debts 2014. We gave advice on how to get out of debt at main railway stations in Warsaw, Kraków, Gdańsk, and Wrocław.
Debt Advisory Center is a nonprofit, non-governmental and Public Service Company, which provides free advice to consumers, especially in the situations when due to changes in their life situation they not able to pay their debts properly. They also seek to advise people how to be debt responsible, and avoid problems with proper and timely repayment of debts. Employees of the Debt Advisory Center are specialists in free processing of proposals for debt relief (insolvency proposals) - Personal bankruptcy by the Insolvency Act. Debt Advisory Center is a partner of the Day without debts.

RUBIKON Center, z.s. is a non-profit organization, which operates in the Czech Republic for 20 years in field of crime prevention and effective solutions for the consequences of the crimes. The association focuses on the people with criminal records and helping them with a new start in form of job searching and solving the debt problems. The center RUBIKON is a partner of the Day without debts.
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