How to get rid of collectors: the best advice

In recent years, it has become increasingly common practice when a bank that is not able to recover its arrears from an unscrupulous borrower sends its case to collection offices. However, due to the gaps in the current legislation, the victims of these agencies are often honest citizens who never made loans and did not act as guarantors. Because today more and more people are interested in how to get rid of collectors.

Is the activity of offices specializing in the return of problem loans legitimate?

Unfortunately, most borrowers mistakenly believe that the actions of agencies dealing with the collection of other people's debts are, in principle, illegal. In fact, everything is not so unambiguous. The domestic legislation provides for the right of banks to get rid of problem debts, transferring them to third parties that are not always credit institutions. In some cases, it is not necessary to sell an overdue loan, it is enough to conclude an appropriate agreement. After this, the company, which has no relation to banking activities, obtains a legitimate right to demand from the borrower that he repay the debt.

How to talk to collectors on the phone?

One of the main methods of work of companies dealing with problem loans is to exert psychological pressure on the borrower. Therefore, a lot of people who are confronted with them are interested in how to get rid of the collectors once and for all. First of all, it is necessary to clearly understand that such agencies have no right to bother the debtor before 9 am and after 20 pm.

During a telephone conversation with the collectors, you need to talk calmly, not allowing yourself to switch to higher tones. One of the most common mistakes is the throwing of a tube with words about the refusal to pay bills. Collectors are accustomed to such behavior and will not exactly lag behind such a debtor.

Those who want to know how to get rid of reservoirs legally and forever, you need to follow a few simple recommendations. In the course of the conversation, it is necessary to find out by points what representatives of this agency want from you, not forgetting to specify the name and address of the organization, as well as the surname of the caller. If you do not provide such information, you should end the conversation. In addition, it does not hurt to inform the interlocutor that the conversation is being recorded and will subsequently be used in the context of a possible trial. As a rule, after these words even the most persistent and insolent collectors are calming down. This forces them to engage in a constructive dialogue.

How to get rid of collectors?

Recently, cases have become more frequent when representatives of such agencies come home to the debtor and begin to bypass his neighbors, reporting an overdue loan. Approximately the same can happen with colleagues at work. Borrowers who want to know how to Get rid of reservoirs for good and legitimate methods, it is necessary not to succumb to their threats. After all, often all of their talk about court hearings and prison terms has no basis for it, since this is a rather long and expensive process. The calculation of such agencies is based on the fact that a frightened borrower will voluntarily return at least part of the money.

Those who are thinking how to get rid of the collectors must be sure to record all the illegal actions they have committed, attracting friends and neighbors as much as possible. Having learned about the competent behavior of the borrower, they will die of their ardor.

One of the most effective methods for dealing with reservoirs is a written request to provide the borrower with a copy of the contract for the transfer of rights to collect debt. The document should indicate when and what amount of debt the bank has transferred to this office.

How to get rid of collector calls?

When talking to a representative of the agency, you must inform about your desire to conduct electronic correspondence. It is also desirable to install on your mobile phone the filtering of incoming calls. It is recommended to program your phone so that it accepts calls only from those numbers that are entered in the contact database.

If collectors call a landline phone, you can simply contact the appropriate authorities with a request to change the number.

Rules of conduct in person

According to the current legislation, representatives of agencies involved in recovery of bad debts are not entitled to come to his home or work without the borrower's consent. Therefore, after seeing the collectors at their doorstep, a person has every right to not let them in.

Having met with the representative of the agency on the staircase, it is necessary to demand from him any identity document, a photocopy of the contract for transferring the rights of the demand for the loan and a power of attorney issued by the director of the institution and confirming the powers of the particular employee.

Appeal to law enforcement bodies

After trying all the legal recommendations that prompt how to get rid of the collectors, you can turn to the police for help. However, you should be prepared for the fact that this campaign will not give the desired result. The best assistants in such a struggle will be your perseverance and knowledge of all legal nuances.