How to communicate with collectors. How to talk to collectors by phone

Financial obligations are a complex system of interactions between the creditor and the debtor. Unfortunately, many, when they borrow money, do not fully understand what consequences may occur in the event of delinquency and non-repayment of loans. But even if such a situation has occurred, do not despair and panic. You are pressured, demanded to pay fines and penalties. As a rule, such events are carried out by specialized organizations. How to deal with collectors correctly and protect their legal rights? We will try to learn all the nuances.

General aspects

Outstanding loans and penalties, the inability to pay arrears - for sure many are familiar with this situation. Banks transfer your debts to collectors, and this "hounding" begins. You call, write and lie in the most unexpected places. A person falls into a trap and does not know how to act. Very often such pressure proves to be very effective, and the debtor pays not only credit, but also fabulous fines. The thing is that many are not familiar with their legal rights and therefore do not know how to communicate with collectors. And "extortioners" use this situation perfectly. But there is a way out! It is necessary to know the law, and then the dialogue will become much easier and more productive.

The law helps you

Know that the activities of such organizations are strictly regulated by law, which protects our rights and freedoms. Therefore, no one has the right to violate them! The main threats that collectors use are:

• Article 177 of the Criminal Code of the Russian Federation "Malicious evasion of payment of accounts payable". Remember, such threats are an absolute bluff on the part of the collector! The precedents of attracting on this article in our country can count no more than a dozen.
• Article 159 "Fraud". This argument is the most frequent. Remember, if you at least once paid, even the minimum amount for obligations, this "letter" of the law to you is not applicable. There is no intention, and you will not be prosecuted.

Very often collectors themselves do not know the laws, but as soon as they see a competent debtor, their impudence and assertiveness simply disappear.

Psychological pressure

Practice shows that collector organizations have rather narrow rights. These are commercial firms that can only persuade a person to pay a debt. They have no more powers, of course, if the matter is not in court, and a verdict that they pass on to the executive is not passed on it. So they can be formidable only in conversation. How to communicate with the collectors by phone? First of all, know that they want to intimidate you as much as possible and bring you to emotions. And it is in this state that a person panics and is ready to fulfill any requirements.

Try to keep cool and calm, do not shout, swear, insult employees. And if threats come to your address, be sure to inform that this fact is fixed by you, and the police will already communicate with them. It is advisable to record such calls for further submission to the law enforcement bodies. Do not respond to attacks on your bad faith, ignore such comments and ask to name the grounds on which you dared to intimidate and insult.

Gathering information

It is necessary to be ready for dialogue with extortionists. Yes, that's right, because without the court order and the writ of execution they are engaged in illegal activities. How to talk to collectors on the phone correctly? Remember several important points:

• Ask to introduce yourself and write down all the information.
• Specify which office bothers you (name, details).
• Which bank has transferred your debt, let them specify the details of the contract (document number, date of signing, amount of claims).
• Ask for a copy of the agreement on assignment of rights to your debt.

If you refused to provide this information, hang up the phone. It will be useful to put the device with a caller to fix all calls and their time. Be sure to tell the collectors that you are ready to complain to the police about illegal actions on their part.

The communication algorithm

How to talk to collectors on the phone so that they understand your intentions? First, do not be afraid and justify yourself. Do not let yourself be insulted, threatened by your family or relatives. Such actions are classified as hooliganism or extortion. As soon as the calls become bothersome, try to explain to the collector that you are going to solve this problem.

If the situation does not change and you are constantly worried, contact the police with a statement of harassment and threats. In no case do not communicate with them after 23 hours or early in the morning until 7, otherwise such calls will become permanent. If you feel that you are openly provoked by aggression, hang up. After learning that these dishonorable citizens began to threaten relatives, immediately report to the police. If calls to work have started, it is already the disclosure of your personal information. Here you already have the right to sue them for illegal activities!

What to report is not worth it

How to communicate with collectors by phone so as not to harm yourself? Do not provide any unnecessary information. Do not give the phones of the organization where you work, do not give the coordinates of your home. Do not share information about family and friends. Many in an attempt to solve the problem tell the collectors the date of receipt of the salary or the fact of selling real estate or property, it should not be done. This is another reason for them to pressure and intimidate you. If you are really going to pay off the debt, you can name the repayment date. But lawyers do not recommend paying with them at all, it is better to go to court, because he can significantly reduce the amount of penalties.

Unpleasant visit

And how to communicate with collectors, if they dared to pay you a visit home? First of all, know that you do not have to open the door to them and let them into your own home. The law is on your side. If they started screaming and cursing, disturbing neighbors and frightening you, immediately call a police squad with a statement that unknown citizens are bursting into your house. Believe me, this perfectly cool their ardor. If you still decide to talk to them, do not let them in the apartment until they provide you:

• A contract for assigning rights to your debt.
• Documents proving their identity.
• The article on which you are being challenged.
• Documents confirming the organization's right to conduct collection activities.

As a rule, the conversation stops already at this stage. But if the workers began to threaten you, write everything down on the camera or tape recorder, invite neighbors-witnesses. Experts recommend that you document the entire process of communication as thoroughly as possible. If you are writing letters, be sure to save them, and send the answer by registered mail with a list of attached documents. An excellent way out of the problem will be to attract a loan lawyer. These specialists perfectly know how to communicate with the collectors correctly.

In any case, do not panic and succumb to pressure under any circumstances, even if you are wrong. Remember that knowing and understanding how to communicate with the collectors correctly is the guarantee of your psychological health. Ask for help from a lawyer or lawyer who will protect you from attacks and help you deal with the debt. After all, there are many algorithms for resolving accounts payable.