Andrzej Kalina

Experience in numbers, not in words

Andrzej joined Capital and Logic in January 2018. Previously, for 12 years, he worked in the debt collection department of a large bank, so he knows every trick creditors use. In 2023 alone, Andrzej finalized 143 settlements that allowed Polish entrepreneurs to breathe. We calculate with cold logic, which is why Andrzej starts every case with a calculator, not promises. The average debt reduction he negotiated for our clients last quarter was 34.2% of the principal amount.

Working with Andrzej is all about specifics. Debt is not a life sentence if you have someone on your side who can talk to bank lawyers in their own language. In March 2024, he saved a family transport firm from Pruszcz Gdański that had 842,000 PLN of debt. In 19 business days, he brought about the suspension of execution and spread the repayment into 48 low installments. We have a plan for Tuesday – that's his favorite slogan because his every week is scheduled into concrete actions.

Zero fluff, just facts

Andrzej doesn't like long meetings. (Honestly, he believes most matters can be settled in 20 minutes if both sides are prepared). If your company has a liquidity problem, Andrzej will tell you straight to your face whether it can be saved or if you need to declare bankruptcy. He doesn't take on cases that cannot be won. Thanks to this approach, his effectiveness in negotiations with securitization funds is currently 91.6%.

• Regained peace of mind for 487 business owners since starting at Capital and Logic.
• Shortened the average negotiation time with a bank from 6 months to 43 days.
• Blocked 27 movable property auctions in 2024 alone.

Privately, Andrzej lives in Gdańsk and spends every free Saturday on his garden plot or by the water. He claims that fishing teaches patience, which is essential when waiting for a bank official to soften and accept settlement terms. If you need someone who won't buckle before a bailiff, Andrzej is the right man in the right place.