The collector is rather young profession but which was already in time to set the teeth on edge to all debtors and not only. Persons who cease to pay bank on the credit can shudder from a call from the collector sooner or later and it is desirable to be prepared well for it to minimize risks of unpleasant consequences. How to speak with collectors by phone, it will be told in this article.
How to talk to collectors: what to ask also what to tell?
Having picked up the phone, first of all it is necessary to try to keep calm. As a main goal of the employee of such organization is payment of a debt prior to judicial proceedings, he will try to cause in every way in the interlocutor strong emotions – anger, tears, panic and so forth. It helps it to find a weak point of the debtor and to find out at it all information interesting him then to use the obtained data against the borrower. Before getting with calling into an argument, it is necessary to find out whether really this person can act on behalf of creditor bank. Information on it has to be specified in the credit agreement. If it is absent, then it is possible to hang up a receiver safely.
The interested, how to talk to collectors if they call, it is not necessary to hurry to hang up a receiver in the presence in the contract of point on the right of delegation of power to the third parties. But at the same time first of all it is necessary to find out from the wire which is on other end:
- the name of the organization in which it works;
- its data. That is to ask it to be presented;
- data on the contract. That is to ask to call the document number, date of signing and so forth.
Is desirable to record everything told on paper, and still useful will be to write down a conversation on a dictophone that then it was possible to show record to court or law enforcement authorities.
How it is correct to speak with collectors by phone?
Any information about, as that: the place of work, marital status, the residence cannot be transferred to the interlocutor. Especially, acting on behalf of bank, he also has to be so informed in these questions. To be conducted on provocation of the collector, to threaten it, to be rude and you should not do other. He writes down all talk too and also can file against court a response lawsuit. To press on pity and in detail it does not make sense to tell about the distress too. But as the collector himself wants to solve a problem as soon as possible, he can consult the debtor and offer it an exit from the situation. Therefore that who does not know how it is necessary to speak with collectors by phone once you ask it a question, in such situation it is possible to repay the debt.
It is possible to suggest to begin to pay a debt through a certain period of time or by installments. Record about it on a dictophone can become a telling argument at protection of the interests in court. In general, it is recommended to make an impression of the person who is well grounded in legal issues that the collector had an opinion that from it as from a goose water. To demand confirmation of legitimacy of his words and actions, to write complaints to court and law enforcement agencies, to connect the press and the Internet to business, to carp at any discrepancies in documents, etc.
Only competently talking to collectors, it is possible to improve the matters and to somehow settle the situation. It is necessary to remember that are ringing to relatives and acquaintances, threats of confiscation of property, to life and health are illegal. You should not ignore conversations too, as well as to hide the head in sand, but to be able to protect the legitimate rights it is necessary.