Quite often it happens that a disciplined responsible borrower due to certain life circumstances (most often these are unforeseen financial difficulties associated with the loss of the main source of income) ceases to repay credit funds in a timely manner. If it so happened that you became a debtor and are “under the heel” with collectors, it is advisable to turn to a qualified credit lawyer in time in time (he is an anti -colle).
In the case when the borrower for a certain period of time does not return the funds on the loan, the banking institution can sell its debt obligations to a third party - a collection agency. The main method of work of the collector lies in systematic reminders to the borrower about unfulfilled contractual obligations, persistent calls with the requirements, and sometimes threats to repay the debt and even visits at the place of residence of the debtor. It is in such situations that they resort to the services of anti -collectors.
- providing consultations regarding interaction with collectors and representatives of the security service of credit organizations;
- assisting the client in negotiations with a creditor or collector;
- development of an individual strategy for the protection of a debtor client to the creditor;
- analysis of banking documents (pledge and guarantee agreements, consumer loan agreement, application, letter) in order to detect possible inaccuracies or inconsistencies with their current legislation;
- drawing up the necessary documents in a banking institution (written claims and applications) with a reasonable presentation of the requirements or requests of a bait client;
- development of the debt repayment of debt and upholding it accepts the creditor’s accepting (we are talking about restructuring credit debt and prolonging the contract in order to increase the deadline for repayment of the loan);
- representing the interests of the client during trials and reducing the size of sanctions (fines, non -storage, penalties and commissions prescribed in the contract) with the aim of minimizing the losses of the borrower when making a court decision on the payment of money to the creditor;
- exclusion of the sale of pledge at low cost;
- representation of the interests of the client in the processes of enforcement proceedings;
- touching the illegal actions of creditors and executive service.
Of course, even the most competent anti -collector will not save you from debt obligations, but will help to significantly soften the bank’s requirements, increase the term of payment of debt and minimize the amount of fines for the paid payments. In addition, a credit lawyer will support morally, taking on a dialogue with a creditor.
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