How collectors work? The Purpose of work of a collector - it is not simple to remind part 2
of debt and to convince to pay the credit, and to bring the borrower to such standard, so it “ to get “ that he dreamed to repay this debt if only to get off collectors which do not allow it to live quietly. Worsen the relations with colleagues and relatives. Can significantly spoil reputation and exclude an opportunity to take the credits in other financial institutions. Just irritate.
Stages of work of collectors following.
1. Collection of information about the clientto
Usually such information is provided by bank or other firm - the creditor. However, information on the residence and ways of communication with the debtor has property to become outdated quickly. But considering that many collectors - the people who came from law enforcement agencies cannot be excluded that information from official sources (data of address bureau and a passport office, information from Bureau of technical inventory on existence of real estate given about stationary and mobile phones of the borrower, identification number, the tax identifier, data from the tax inspection) about the debtor will also be at disposal of collectors. The obtained information on each client gathers and generalized.
2. “ Vertebral “ a stageDebtors are rung round by
. At first it is polite also in time, convenient for them. Then it is less polite (but so that was not to what to carp and file a lawsuit then for extortion), but it is more persistent. Can send it letters on “ " soap; and SMS - ki on the mobile phone. The borrower is informed on the created situation and its possible consequences. About the sanctions and penalties subsequent to failure to pay debts. About the spoiled credit history which can be transferred to other banks and credit institutions (databanks about borrowers and credit stories already begin to be formed).
Then can morally begin to spoil life to the irresponsible debtor, for example, vyzvanivy him at an inopportune time or by an office number. Having modestly mentioned at the same time that they call “ concerning regular nonpayments of debt “. Many people would not like that at work it became known of their financial insolvency or disorder. It is used so-called “ call-back “ when the programmed automatic machine dials several times number of the debtor (it is desirable at night) and gives a polite reminder on a debt. By the way, if the borrower is rather young and it is possible to assume that he depends on parents - can call and of Data on parents it is not so difficult to find.
3. Appointments to clientscan find
of the Debtor houses (early in the morning or late at night), at work or at relatives. At first emphasis on confidentiality of such meetings that information on insolvency of the borrower did not become known to neighbors, colleagues and partners in business is placed: “ You do not want that your acquaintances learned about a situation, so ticklish for you? “. Then the debt of the client as if is unintentionally advertized.
The business owners or owners of firms who are concerned about the business and reputation already at this moment seek to reach compromise with creditors and collectors not to do much harm to the image. Through relatives and the debtor`s acquaintances the soft mediated pressure can be put upon it. At first - as admonition and distribution of free councils: “ Well you the clever person, have to understand that if your son does not repay a debt and percent on it in time, it is fraught with consequences. At best, it will remain without car and the apartment. If he does not understand it owing to the inexperience, then you, the person who lived life, know, than it can end “.
4. Work with guarantors
Agree that none of guarantors (them colleagues, relatives and employers usually act) do not want to pay off, on others debts - especially. If in due time they showed myagkoserdy and out of pity or by kindness sincere rendered such service as the guarantee. And they will do everything possible to find for the debtor and to convince him to pay off with the credits.
5. The claim in court and procedure of return of a debt
This stage - the last. Statistically, 80% of borrowers repay debts, without bringing the matter to court. Especially as banks and collection firms have lawyers who specialize in such processes. And credit agreements are made initially in their advantage - and made.
From a situation with not repaid debts nobody is insured. Therefore it is necessary to be able adequately (and with smallest losses, to get off “ with small losses “) to leave such scrape.
In case the collector in the course of the work violated the rights of the debtor, exceeded the authority, direct threats to the pig-headed borrower (and these threats were recorded on technical data carriers with respecting the rule of law or there were witnesses concordant to confirm the fact of threats in court) were stated to them - the client can file a lawsuit the counterclaim. Also has the right for compensation of damage.
Good luck to you. And let this article is not useful to you.