Collection agencies are not law enforcement agencies, so they do not have a formal right to collect debts. They remind debtors to pay debt, often resorting to psychological pressure and not quite humane working methods.
1
Read your agreement carefully with the bank. If collectors began to call you, it means that the contract should indicate that in case of non -payment of the debt, bank employees have the right to transfer your data to third parties, i.e. In this case, collectors.
2
They must definitely inform you of this. Therefore, if you have not received any notifications, representatives of the agency do not have the right to bother you. Moreover, you can challenge in court the unlawful actions of the bank.
3
During a conversation with the collector, behave correctly, but in the event of threats or rudeness, make it clear that you have an idea of \u200b\u200byour rights and can defend them. Try to fix communication with the collector. To do this, you can use a recorder or video. Immediately inform the representative of the agency that you are going to record the conversation: "Wait a second, I will turn on the record."
4
Even if you really do not do this, the collector will communicate with you calmly and carefully that it will preserve your psychological health. At first he must fully introduce himself. Ask the representative to name the surname, the name held by the position, the name of the organization in which he works and her phone. Subsequently, you can check the veracity of his words.
5
He must also present his passport and a document that confirms his authority. Until you hear specific information, do not discuss anything with the collector. Then he must show you a documentary confirmation of the debt. Otherwise, his requirements are indescribable.
6
Perhaps you will be provided with documents a little later, but you will be able to win at least a little time. In no case do not sign any documents without having previously familiarized themselves with them. If the collector politely introduces himself and begins to explain the situation, listen carefully to it and ask your questions.
7
If he tells you that you must prepare household appliances (or other property) for the sale and repayment of debt, ask him to provide a power of attorney that regulates his powers. If he provides her, you definitely will not find a point there that would give him the right to withdraw other people's things. This can only be done by bailiffs by court order.
8
The collector can realize your things in order to repay the debt only with your consent. If the representative of the agency will behave in a hamian and demand money or property from you, you have the right to call the police. If you are distracted from work and demand that you go with representatives of the agency, you can also call the police, since such actions need orders of the court or law enforcement agencies.
9
If you do not want to communicate with the collectors, contact the bank and inform about it. Try to agree on a delay. In this regard, many banks go to meet their clients. The transfer of the case by collectors is carried out only in particularly neglected cases. Therefore, do not hide and talk to the bank employees. If this is not possible, you can try to agree with the collector.
10
Do not give in to the threats and provocations of collectors. The only right they have is to remind you of debt and offer options for pre -trial repayment of debt. Unfortunately, many representatives of this activity abuse their position and exert strong psychological pressure.
Try to soberly evaluate your financial capabilities and make payments on time. If it came to collectors - remember that in case of violation of professional ethics, you have the right to write a statement to the police and even apply to the court for compensation for moral or material damage.
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