The next world crisis endangered many borrowers who took the credit in bank and for any reasons which stopped paying a monthly contribution. If the credit dialect provided a possibility of data transmission about the borrower in the specialized company, the debtor can face collectors: as will behave with them it is told in this article.
How to behave with collectors by phone?
Of course, you should not be rude, rude, cry and to press on pity. In any situation it is necessary to remain the person especially as representatives of this organization of the rights for compulsory collecting have no debts. Actions of the debtor have to be the following:
- At once to turn on the recorder and to take an interest in a name calling, the place of its work, the call basis, etc.
- Asking, to behave properly if collectors call, it is not necessary to panic. It is better to collect the thoughts and to listen to the opponent. Before answering questions, to think as collectors pursue the aim to collect as much as possible data on the borrower, and it is unprofitable to the last.
The best decision is to agree with the collector about payment by installments of repayment of debt and if it begins to threaten, to be rude and to behave impudently, it is necessary to warn that the conversation registers and at further receipt of threats to contact police or prosecutor's office.
Those who is interested how to behave with collectors to the debtor's relatives should answering that in this case it is possible to complain to law enforcement agencies because they have no right to disclose information on debts at once.
How it is necessary to behave with collectors at a meeting?
It is possible to speak about something with the come person only if he showed the passport, the power of attorney confirming its powers and the assignment agreement granting to it the right to demand a debt. And the power of attorney needs to be studied attentively as this document contains the information about what actions this person is authorized to make. To get into the house the collector of the rights has no, and in attempts it is necessary to make it immediately to call in police. Being interested as it is correct to behave at communication with collectors, it is necessary to keep adequately and not to give itself to intimidate.
Most of representatives of this organization, as a rule, in the past worked in law enforcement agencies and not to occupy experience of psychological pressure upon people them. Besides, they use legal illiteracy of the population, extorting money or suggesting to give values or household appliances. It is impossible to give in on their tricks at all, from the house to take out nothing, not to sign any papers. The most reasonable decision is to capture all process of communication with the come person with the mobile phone camera or other device. It is necessary to notify the collector that this record can appear in prosecutor's office. It is good if nearby there is someone from relatives as the witness.
In turn it is not necessary to be rude to you to the representative of the organization which acquired the right to demand a debt from the borrower, as well as to argue and swear at it. He can also file a complaint to police, having regarded actions of the debtor as hooliganism. Anyway, having made the decision to pay bills, money needs to be transferred in bank, but not the collection agency. And if there is no opportunity to pay a debt, the best option will communicate with bailiffs whose activity the law regulates much more, than work of collectors.