Goracy Law Firm Krakow: Swiss Francs, WIBOR, SKD

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We are a Kraków-based law firm delivering expert legal solutions to individuals and businesses since 2013. Our reputation is built on success in high-value litigation, particularly complex financial matters. Our core practice areas include foreign currency loan claims (Swiss francs), WIBOR claims, SKD, debt recovery, as well as general civil and commercial law. We serve clients across Poland and internationally. Our promise is simple: expert legal representation, complete transparency, and a dedicated, results-oriented service designed to meet your unique legal challenges.

Our legal services

Foreign currency loans

We specialize in cases involving foreign currency loans (FX loans), including the widely discussed Swiss franc loans (CHF loans). We assist borrowers in invalidating unfavorable agreements, recovering overpayments, and asserting their rights in court. Our law firm represents clients at every stage of the proceedings against banks.

WIBOR – credit lawsuits

We handle cases related to WIBOR (Warsaw Interbank Offered Rate) – the variable interest rate used in many credit agreements. We analyze loan agreements for unfair terms and represent clients in proceedings aimed at invalidating or changing the loan conditions. If your loan includes WIBOR – contact us today.

SKD

We manage cases concerning the SKD – Sanction of Free Credit (Sankcja Kredytu Darmowego). This right is available to consumers when the bank fails to meet its informational obligations when concluding the agreement. Applying this sanction allows the borrower to repay only the principal – without interest and additional costs. Our law firm analyzes credit agreements, prepares demands to creditors, and represents clients in these proceedings.

Debt collection services

We offer professional debt collection at every stage: amicable (pre-litigation), judicial (court proceedings), and enforcement. We help businesses and individuals effectively recover debts from unreliable counterparties. We act quickly, in compliance with the law, and always with the client's best interests in mind.

Commercial law

We provide a full range of commercial law services for entrepreneurs and companies. We draft and review contracts, advise on the company's day-to-day operations, and represent clients in court disputes. Our firm supports both small businesses and large economic entities, domestically and internationally.

Civil law

We represent clients in a variety of civil law matters, including property disputes, claims for compensation (damages), non-performance of contracts, and the protection of personal rights. Our experience allows us to effectively manage both simple and complex civil proceedings at every stage.

Frequently asked questions

What is the cost of the first consultation at the law firm in Kraków?

The first consultation at our law firm is free of charge. We encourage you to fill out the contact form—you'll receive free information about the potential costs of further assistance. We tailor our strategy to each case, ensuring full transparency.

Does the law firm represent clients from outside of Kraków?

Yes, our law firm operates throughout all of Poland and also represents clients from outside Kraków. We serve both private individuals and companies from other cities, as well as clients living and operating businesses abroad. Thanks to modern tools (video calls, e-documents, ePUAP), we effectively handle cases regardless of location.

Can I get my Swiss franc (CHF) loan declared invalid in 2026?

Yes, the annulment of a Swiss franc (CHF) loan is possible if the contract contains prohibited clauses (e.g., unilateral course setting, imprecise currency risk information). The effect of annulment is that the document is treated as if it never existed, leading to a settlement between the parties. We assess each case individually after analyzing the contract and accompanying documents. Interested in knowing your chances? Contact us for a free consultation.

How long does a Swiss franc (CHF) loan court case last?

The timeline for a CHF loan case depends on the specific court's caseload and the complexity of your situation. Typically, the entire process takes anywhere from over a year to a few years (covering the First Instance trial plus any potential appeal). The standard stages of the process include: Analysis → Filing → Proceedings → Resolution. In some situations, it may be possible to reach an out-of-court settlement/negotiation. You may also file an application for security for a claim (such as a temporary suspension of your loan payments). The final decision on these applications is made by the court.

Can I temporarily suspend Swiss franc (CHF) loan payments during the process?

You can apply for security for a claim, which means a temporary suspension of installment repayments. You must substantiate the claim and demonstrate a legal interest. The application is usually filed with the statement of claim; the security remains in force until the final conclusion of the case (the scope is determined by the court). Contact us for a free analysis—we will assess the chances of suspending payments and select the strategy (annulment / 'de-frankification' / refund of overpayments).

What documents are needed for the analysis of a Swiss franc (CHF) loan agreement?

For a free analysis of the contract, the following documents are primarily useful:

The Loan Agreement and all Annex(es)
Regulations/ General Terms and Conditions (GTC), schedule of fees and commissions, appendices
Repayment schedule and/or repayment history from the bank
Credit decision/ application, currency risk statements
Bank certificates (balance, disbursements, exchange rates – if you already have them)

PDF scans are sufficient; we will help you obtain the remaining documents from the bank.

What is the cost of a Swiss franc (CHF) loan case—court fees and law firm remuneration?

The costs of a Swiss franc (CHF) loan case typically include the statement of claim fee, potential expert witness advances, appeal fees, and the law firm's remuneration (flat fee + optional success fee). However, the initial analysis of your Swiss franc loan is completely free. After reviewing your documents, we'll provide a detailed quote and strategy recommendation (annulment, loan conversion, or overpayment refund). Contact us for your free analysis.

Can I order a loan agreement analysis online?

Yes. The analysis of a loan agreement (PLN/CHF) is conducted fully remotely. You will receive a report from the contract analysis, claim calculations, and legal recommendations—all free to start.

What is WIBOR and how can I file a lawsuit against the bank?

WIBOR is a reference indicator used in many loan agreements. However, disputes with banks are based on specific legal grounds (e.g., prohibited clauses, lack of reliable risk information, erroneous settlements). The typical path is: Agreement analysis → Demand for Payment → Statement of Claim → Proceedings → Verdict/Settlement. At every stage, we help select the most advantageous strategy.

How to recover a debt from a debtor—debt collection step by step?

Claim Audit (agreement, invoices, protocols, emails).
Demand for Payment with a short deadline and proposal for settlement/installments.
Security (if there are grounds)—application for security for the claim.
Statement of Claim (injunctive/writ-of-payment/ordinary), eventually mediation.
Enforcement Title and bailiff's execution (including asset search).
Settlement Supervision—interest, costs, potential counter-execution lawsuits.
We prepare the entire process "end-to-end"—from pre-litigation debt collection to representation in court and execution.

What is SKD and when is it applicable?

SKD (Sankcja Kredytu Darmowego - Sanction of Free Credit) is applicable to a consumer when the creditor has violated statutory obligations. The effect: the client repays only the capital, without interest and costs (within the limits of the Consumer Credit Act). Every case requires verification of the loan agreement. Contact us to receive a free analysis.

Does the law firm handle civil and commercial cases for companies?

Yes. We represent companies in civil and commercial disputes (payment, warranty/guarantee, improper performance of contracts, unfair competition), as well as in debt enforcement, negotiations, and arbitration. We also offer contract audits and debt collection procedures.