Collectors are debt collectors, intermediaries between creditors and debtors. Their powers include carrying out work on the return of debts. Collectors' incomes directly depend on the amount of debt to be recovered: the more the amount of debt, the more income. This direct interest forces us to constantly improve our working methods, while the newly invented forms are not always correct. That is why it is useful to know how to behave with collectors if they come to your home.
Instructions
Step 1
Don't be afraid to talk to the collector. But first, ask him to introduce himself, present his passport, a power of attorney confirming his authority, and an assignment agreement (original) - the assignment of rights to claim a debt. If he refuses to provide you with his data and other documents, just stop communicating.
Step 2
If the collector politely introduces himself and begins to state the essence of the matter, listen carefully. Ask questions if you have any questions. Ask the collector to show the original document on the basis of which he demands to pay off the debt. If one is not presented, you have every right to qualify the actions of the collector as extortion.
Step 3
If all the necessary documents have been shown to you, including the original power of attorney, do not be too lazy to determine whether the collector who has come to you is authorized to perform the actions that he is already performing or intends to perform. That is, compare what is written in the power of attorney with what the collector does and how. For example, he tells you to prepare all household appliances, after which he will withdraw them on account of your debt. He certainly cannot have such powers, tk. inventory and seizure of property is possible only by a court decision and exclusively by bailiffs. However, ask the collector to show you the clause in the power of attorney on the basis of which he makes such claims to you. If there is no such clause in the document (and it cannot be there by definition), you have every right to disobey, moreover, to call the police or invite witnesses.
Step 4
You will act wisely if you record all communication with the collector. For this, use video and photography, a voice recorder, and individual functions of a mobile phone. It's good if from the very beginning your conversation takes place in front of witnesses. Demonstrate your knowledge of the law and your rights by stating that all records can go to the prosecutor's office. At the same time, your statement should not be threatening. Try to behave correctly, do not get rude and insulting.
Step 5
Do not get lost and do not start making excuses, let alone cry in response to pressure and rudeness. There are no more rights to collect debt from collectors than from other, completely outsiders, people, tk. collection agencies are not law enforcement agencies. Their representatives sometimes behave so unbridled, using psychological pressure on the debtor, being confident in the legal illiteracy of the population. Often their tricks do work. This is why laws should be known.
Step 6
If the communication initially became negative, the collector threatens you, accuses you of cheating, insults or humiliates you, feel free to call the police and write a statement.
Step 7
Do not under any circumstances put your signature on any documents. Say that you want to show them to a lawyer first.
