The collector - who is it? Working as a Collector

In connection with the recent non-payment of monetary obligations of the population and legal entities to creditors in the media and personal conversations, the word "collector" is increasingly found.

Profession obliges

Many people call the name "collector" a stupor. The image of a professional is associated with a muscular broad-shouldered fighter, with a cudgel in his hands, with dark glasses and the absence of any remorse. Does this description correspond to reality, in fact a collector - who is this: a bouncer or a thin psychologist? Can he resist? We bring to your attention the answers to all these and many other questions.

The concept of "collector" is deciphered in our case as an official organization or a separate specialist who collects debts or negotiates between the creditor and the debtor to repay the loan. Collector firm by any methods (in most cases, they are still legitimate or near-legal) must convince to repay debts. The commoner view of the criminal present collector is not true. Their working tool is basically a phone, in an appendage to the computer database of customers.

the main objective

The first collection firms in our country began to appear in 2004. Their methods were really aggressive at first. Today, answering the question about the collector - who it is, one can safely answer that first of all it is a financial consultant. The main duty of this specialist is not just to annoy calls, but to form for a person an economic solution to his problem. The collector should explain to the borrower the schemes of payments and debt repayment, plan the budget and help to find the possibility of allocating funds to pay the creditor's account. The task of a specialist is, in fact, not that his bailiffs are bailiffs, debts must be repaid in pre-trial order.

Personnel issue

In recruitment agencies , priority is given, and this is understandable, to former law enforcement officers, military officers in reserve, enforcement officers, lawyers or employees of identical collection services in banks. Many candidates have the experience of investigative work, as well as skills that allow not only promptly find a debtor, but also professionally conduct explanatory work with him. Quickly, clearly, without unnecessary emotions. Also, the main requirement that the collection firm presents to candidates is the availability of higher education. In most cases, it must be economic, financial or legal. At the same time, one often encounters a collector-psychologist or a teacher. However, many agencies recruit people without higher education, but with profound knowledge of psychology or exhibiting good communication skills.

Skills

In addition, the person applying for the vacancy of the collector must be persevering, flexible and well versed in the psychology of the debtor, he must have a serious stock of computer knowledge and be able to handle various databases. This can be information contained in banks, insurance companies, the central address bureau, public utility organizations, telephone networks, bureau of credit histories, etc.

Organize access and work with data must be able to directly collector. Who understands this and understands the specifics of these tasks, becomes a real contender for the post. In international companies, a candidate may be required to speak a foreign language. Also, given that collectors communicate with people, often "cornered", and they have to listen to threats and frank insults, tears, pleas and lamentations, such work is certainly stressful, and the person who performs it, Must have exposure and stress resistance. Even though collectors are taught to communicate with customers on prescribed scenarios, each situation is unique in its own way, and the person's reaction at the other end of the wire can be unpredictable. In addition, every candidate should know that the work of the collector is dynamic. It's not just phone calls. Often it is necessary to travel to meetings with clients on their territory, and it can be located in the regions.

Ways to resolve issues

It is logical that collector agencies receive a monetary reward for their work. In most cases, this is a good amount. It all depends on the size of the debt. There are three ways to resolve issues with debtors. The first is when the creditor offers to the collection firm a percentage of the amount for the work done successfully. Depending on the degree of complexity, this can be 10-40%. Second, when a bank or a firm sells a collection of debt to a collection agency for an amount that is 5-15% lower than the value of the debt itself. And in the third variant the creditor can not resort to the services of collectors, and try to deal with debtors independently through the court. The last option is for the most extreme case. It's no secret that court bailiffs can pay debts of negligent borrowers for a very long time. Frequent delays in legal proceedings are a common thing. Therefore, creditors prefer to shift their headache to collection bureaus.

Types of debtors

If the question of whether the collector - who it is, more or less clear, then that's who the debtor, what is his psychotype, is not known to everyone. Collector firms themselves in order to separate borrowers who refuse to pay their debts developed a special classification system. Each company can have its own, but most of the following types:

1. Alarmist. This man was entangled in his own debts. To pay debts, he takes more and more new loans, and maturities are already unclear.
2. Mourner. A long time can deny the existence of debt, however, when it recognizes, begins to "cry", that everyone is to blame (creditors, lawyers, collectors), but not him.
3. Rationalist. With the availability of debt agrees. Clearly follows the schedule of newly proposed repayments.
4. Swindler. Intentively goes to deceit, not going to give a debt.

The work of the collector is to determine the type of borrower as soon as possible and apply the most effective measures to it.

Methods of work

For the most part, people who charge debts adhere to the letter of the law. In the staff of the collection firm there are lawyers who are ready to explain the eligibility of certain actions. In general, psychological pressure is exerted on debtors. Calls of collectors have the purpose to force the defaulter to make contact and pay the loan. But sometimes a set of legal means is insufficient. So-called "black" collectors can go further than telephone threats. Quite often cheeky debtors, confident of their impunity, shared stories about punched tires or epoxy-cast door locks.

How to talk to collectors

If you are persistently bothered by sewers, try to keep cool. First, ask them to provide documentary evidence that these representatives are authorized to demand a refund of the debt. If the collectors threaten, explain that you record the conversation and intend to contact the police. Threats and the more penetration into the territory of private property can form a criminal offense. Do not be nervous and show restraint. Representatives of the collection agency can well recognize fear or insecurity. Remember that you can sue them.

In conclusion, I want to add that the debts still need to be paid. Let the knowledge of reservoirs be purely familiarizing.