The article presents the development of consumer protection under procedural law in Poland, and in Court of Justice of the European Union case law. Studies pointing to relaxed “payment morality” in Poland and worldwide have been presented as well. The author suggests that factors contributing to the phenomenon may have included superfluous and over-protectionist legal protection extended to consumers and debtors. She believes expanding the Polish judicial proceedings to include special-purpose provisions in cases involving consumers is unnecessary.
 
