Collectors are threatening what to do? Do collectors have the right to threaten?

Economists say that loans are the engine of economic development. However, this judgment is true only with decent credit conditions and a decent performance of its obligations by all the parties involved in this process.

If these conditions are not respected, then the problems that at one time hit heavily on the financial well-being of many countries and the international economy as a whole begin.

When the bank starts to make claims on the loan, a person is usually not protected in front of this financial machine. In this article, we'll figure out how to behave properly when collectors threaten what to do and where to turn for help.

Why are there such problems?

People take loans mainly for one reason - there is no way to pay the whole amount at once to buy the necessary thing. When making a loan, borrowers choose a time frame at which the level of the monthly payment will be low enough to negatively affect the family budget.

However, only fortune tellers know what is waiting for each of us ahead. And sometimes there are situations when incomes fall sharply, and there is no possibility to make payments on the loan on time. In this case, there is a delay in the loan.

There are also such moments when the bank itself increases the interest rate under the contract, and it is no longer on the payer's part.

When such situations occur, the bank can sell your debt to the collector. And their methods of work can not only affect your health, but also your physical health. If you are in this situation, and you collectors are threatening what to do, we'll figure it out further.

Knowing the laws is your weapon

People, professionally engaged in the repayment of debts, are accustomed to taking their victims in a snare. Threats of physical violence, phone calls at night to relatives and other tools become their assistants.

However, their powers given by the state are clearly defined in the legislation. Relevant articles can be found in the Law of the Russian Federation "On Consumer Credit," which clearly spells out the rights of collectors. So, if you collectors are threatening what to do in this case? First of all, read the letter of the law.

For example, there is a clear rule governing the time period in which you can call "extortionists": on weekdays from 8:00 to 22:00, and on weekends - from 9:00 to 22:00.

It is also worth noting that the debt collection organization has the most common rights that other commercial firms and companies have. This means that they can not do anything to contradict the law. Understanding this will help you not to lose control when collectors threaten you. What if they violate these rules?

We need to boldly tell them that they go beyond the laws, with a clear tip over a specific article. Believe me, they do not expect this.

Any threats are beyond the scope of Russian legislation

Do not agree and go on about the "extortionists". Do collectors have the right to threaten? Of course not. No matter how terrible the sight or voice of a collector is, it is not allowed to indirectly or directly threaten you.

And this is just the main weapon of "extortionists". The main threats are that you are advised not to walk late at night in dark alleys, pick up children from school in time and turn off electrical appliances at home.

In these statements, there is a fact of hidden threats:

• In the first case you are threatened with bodily harm;

• In the second variant they hint at the fact that children can be kidnapped;

• In the third case they speak of a possible arson.

Undoubtedly, all this can disrupt any person. In this case, collectors can be prosecuted under Article 163 of the Criminal Code, which describes the signs of extortion under threat of physical harm or damage to property. For such a period of imprisonment up to 4 years and a fine of 80 thousand rubles.

Threats from a financial institution

If the bank threatens collectors, then one can not worry. First, it is against the law. And secondly, it's not all banks that can afford to carry out competent and effective work using collectors.

Of course, it makes sense to resolve the issue of growing debt immediately, having drawn up with the bank an additional agreement on the restructuring of the loan. In this case, the likelihood that your communication with the financial institution will reach the hiring of collectors, is much reduced.

However, if amicably agreement with the bank failed, and you call and threaten collectors, read the steps below. Observance of these points will help you to talk to "extortionists" not as hunters, but as victims.

Specific actions

If collectors threaten you with a court or something else, you do not need to panic. The first step is to understand how they relate to your credit relationship with the bank.

After all, a person signs a loan agreement with a bank, and not with a collection organization. Therefore, ask them which company they represent, what they have against you, and on what grounds they are presented to you.

Depending on their answers, you need to choose the right tactics for the conversation. There may be two different ways. First, when an agency agreement is concluded between the bank and the "extortioners". Second, if the bank sold your loan to the collection company.

Agreement between the bank and collectors

In the first situation, they are only entitled to call you and remind you of your debts to the bank. No legal consequences for you such calls do not carry, even if the collectors threaten the court, so that you can not even react to them.

If you are called from an unknown number and you understand that it is a collector, then say that any conversations will only be in court, and hang up. Immediately add this number to the black list so that you can no longer bother with it.

Seeing that you do not pick up the phone or have blocked their numbers, you can start sending SMS, with the help of which the collectors threaten reprisals. They can be of a very different nature. For example, there are such options:

• A quick reaction team has been sent to you, be ready to open the doors after 15 minutes;

• Tomorrow you will come to the appraiser of apartments, we will decide how much you can sell your home;

• If you do not want to have health problems, then return the money within a week.

There are other, more coarse phrases.

Their task is to frighten you

The point of all this is to scare you and create moral pressure. You do not need to reply to these messages, save them in the phone's memory and print them on paper so that the date and number from which they were sent are visible. This will help you in court to prove the violations that collectors have committed in the course of their work.

And if they came to your house and knocked on the door, immediately contact the police. Attire of law enforcement officers will cool their ardor. Do not be afraid of this action, because your credit to the police is absolutely irrelevant, and they will not be able to do anything to you. But hooligans down from the landing are fully capable.

If your loan is sold to collectors

If the bank, by clearing its balance, has resold your credit debt to the collection agency, then the matters become somewhat more complicated. After all, the second legally have the right to demand that you return the debt.

However, banks do not always have the right to do so with their borrowers. In this case, when you are looking for where to turn, if the collectors are threatening, it is better to choose a lawyer who specializes in such cases.

Usually, professionals immediately advise you to complain about such actions. The withdrawal of their personal data and the drawing up of a ban on their processing can at first cool the ardor of extortionists.

Also, you will be advised and help in the case of threats against your relatives to make appropriate statements to the police, as well as to the prosecutor's office.

Draw conclusions

First of all, do not panic. Find out who the employee who is calling you and talking about debt represents, ask how he relates to your loan.

Operate with the letter of the law, tell the collectors about their violations. If it does not work, then contact the appropriate authorities, send "extortionists" copies of statements.

It would be superfluous to appeal to lawyers who deal with similar issues. For them, it's not difficult to competently calm collectors and agree on restructuring your debt in order to reduce the burden on your budget. There were also situations when they managed to write off part of the overdue debt in connection with the identification of various violations by the bank.