Collectors are specialists of companies whose functions include the return of credit debts expired by citizens. As a rule, a dialogue with them cannot promise anything good. But often, “knocking out” the debt from the borrower, collectors go beyond the law up to violation of professional ethics. How to behave in such cases, you will learn from our article.
1
In order for the representative of the collectors when communicating with you initially behaved restrained, you need to immediately ask him to introduce himself: to name his position, the name of the agency, contact details, his last name, name and patronymic. Typically, the message of such information disciplines any person.
2
Then call the phone number to the agency of their representative to verify the reliability of this information. You should also contact the bank serving your loan. There you need to find out the reality of the transferred right to repay the debt of this particular organization of collectors.
3
Demand the presentation of documents from their representative, which states that this institution represents the interests of your bank on the basis of the law and acts in accordance with the agency agreement.
4
When communicating with the "messengers", keep calm and endurance. If the conversation ceases to be sincere and the collectors were in progress, it is worthwhile to politely remind them of the inappropriateness of such a tone and violation of threats of your legal rights.
5
When answering questions from collectors, exclude your position of the petitioner. No need to try to persuade them about the softening of the conditions. Provide only naked facts without reporting details and personal information, which can subsequently be used against you.
6
If you have technical means, make phone conversations with collectors, and use a recorder at a personal meeting. Such actions are completely unlawful, but it is quite capable of moderating the ardor to the best of the debt collectors. Moreover, these records can serve as evidence of their illegal actions when you decide to apply to the court.
7
Immediately after the first visit of collectors, contact a good lawyer for help. A professional will give a true assessment of the agency’s actions and will be able to offer the smart tactics of your behavior in this conflict situation.
We hope the article was useful for you. Be calm and prudent!
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