Нередко сейчас при возникновении задолженностей it turns out that the debt is sold to collectors. Actually, this is a fairly common practice, especially in Russia. Applies to all indiscriminately. And just such behavior causes fear, panic and apathy among citizens. Why? Collection companies do not always act legally and humanely. They are faced with a task: with all their might, no matter what, exactly, to dislodge debts from the debtor. And everything, to the last penny, and even in the shortest possible time. Can they sell debt to collectors? How legal is this? What awaits you in such a case and how to deal with this situation? All this further.
It is worth starting with the legality of the operation.After all, if the bank does not act according to the law, then you will be able to prove it, and then also remain, as they say, in the black. That is, you will be able to protect your rights. This is quite normal.
Debt sold to collectors?On the legality of this action can not say exactly. Is that advise only carefully read the terms of your loan agreement. Why? Because there are prescribed all the points that can only worry both the borrower and the lender. So read the document carefully before signing it.
Often you can see here the point on the righttransfer of debt to third parties. This is precisely what indicates the legitimacy of action. Can a bank sell debt collectors? In the presence of such a mention - easily. Moreover, this kind of event is considered legal. If the specified item is not prescribed in the contract, then the transfer of debt to someone is simply impossible.
С законностью более-менее разобрались.What's next? When, for example, you can be afraid of a collision with collection companies? After all, someone suffers from them, but someone does not. But at the same time, both the first category of persons and the second one have debts.
Can they sell debt to collectors?Easily, and legally. Just look closely at the terms of your contract. When exactly can I face this problem? There certainly are no algorithms and recommendations. After all, it all depends on the particular bank. Usually, they begin to communicate with collectors after a decent debt is already accumulating for the debtor. Which one? This is already decided by the bank on its own. Someone collectors can come after the first month of delay, and someone generally does not pay for years and is not afraid of anything and anyone.
In principle, often with malicious defaultersbegin to fight in about 2-3 months overdue. No matter what the amount accumulated. Much less often collectors appear 3 years after the occurrence of debts. Such cases are perhaps the most legitimate. But, unfortunately, they are almost unreal. In practice, the banks just run to collection companies, after the very first delay in payments.
True, not everything is as simple as it seems.at first sight. The main advantage with which banking and credit organizations operate is that the transfer of debt to third parties does not require the consent of the borrower. That is, for you the news about this event can be a surprise.
Does a bank have the right to sell debt to collectors?If the contract contains a clause on the transfer of obligations to third parties, then completely. And legally. Otherwise, your rights will be violated. But in practice, this does not bother anyone. Often it turns out that the debtors will learn about resale directly from collection companies. That is, banks act as they see fit. Although warn citizens would be worth it. And all this is not even for their sake, but in order to protect themselves from certain consequences. But this principle is not done; they present a surprise to debtors in the form of communication with collection companies.
Bank sold debt collectors? What to do?To start not to panic. The mere mention of collection companies often causes citizens to fall into apathy. Do not do this. For a start, take it easy and try to understand that everything is not as scary as it seems. Despite the fact that the bank has transferred the "knocking out" of debt to third parties, you have your rights. And they can operate.
First, you are entitled torequire all documents confirming the transfer of debt, as well as regulatory actions of a company. That is, you must show proof of transfer of debt collection rights. Until the collectors do this, you can not legally pay. In fact, usually such firms are not busy with paperwork. This means that there is a possibility that the bank and collectors act by agreement, without having any supporting documents. In this situation, just do not pay. You have the right to this.
Что делать, если долг продали коллекторам?The second point of action is the presentation of claims. It is relevant only if you had them in relation to the banking organization. That is, you can complain about the collectors.
Remember, this behavior scares many.After all, collection companies are not bank assistants at all, in Russia this is a real business, which has its own tacit rules of conduct. Often the usual complaint from the debtor can bring a lot of trouble. And all this is due to the fact that the work of collectors is not always legal in itself. Moreover, in Russia now they are increasingly beginning to prove the illegality of this business. So do not be afraid to make a complaint.
Is your debt sold to collectors?Some citizens believe that in such a situation it is easier and most logical to gather strength and pay off debts. And with all. To all of you behind and you can live in peace.
In principle, this is an option.Especially if you have the ability to pay bills. Why? Because only lack of debt will divert collection companies from you. However, in practice this kind of technique is used extremely rarely.
Why?It's all about the collection companies. Most often, either debtors do not have a real opportunity to pay for one reason or another, or they simply want to protect themselves. And collectors at the same time with all the forces "beat out" money, violating their rights. So why then do you have to pay? How to be in this situation?
Is your debt sold to collectors? How to be now?In general, it's up to you. But in practice, most often collection companies act illegally in order to intimidate and dislodge the debt from the debtor. Regardless of his situation in life. This is wrong and illegal. Need to protect yourself.
Therefore, always carry a video / photo camera with you,as well as a voice recorder. In general, everything that can only prove a violation of your rights. The main activity of collectors for knocking out debts is nothing but the damage of another's property. Try to fix all such violations, as well as stock witnesses. You never know, you will need them.
The main thing - do not pay immediately bills.If you were not acting according to the law, you can not pay. Instead, it’s enough to go "where to" to assert your own rights. A few years ago, this practice was not so often met, but recently similar events happen more and more often.
Fear collectors do not need.In fact, if you properly address the issue, you can also stay "in the black." That is, the debt does not pay, and even from the bank / collection company to recover certain funds. How exactly is this done? Appeal to the court!
The main thing here is evidencewhich indicate a violation of your rights. Most often, a few disinterested witnesses (for example, neighbors), as well as the established fact of damage to your property, are sufficient. Printouts and call recordings, photographs of threats, and so on — all of this can be fixed and brought to court with a claim.
In this scenario, most likely you will wina business. And you will not only be taken out of debt (especially if the damage caused is several times greater than the amount of debt), but also will force collectors or the bank to compensate for the damage - both material and moral. The main thing is to prove the illegality of the actions of the new creditor.
Another modern solution is to appeal toanti-collection companies. There, for a small fee, you will be helped to overcome new lenders. That is, there will be a consultation on further action, help to go to court.
Правда, подобный способ в России еще не столь popular, but from year to year it is increasingly in demand. Contacting anti-collection companies can protect you from illegal actions of collectors, and also, most likely, will save you from debt.
