Collectors call my native, what to do?

When a person signs a loan agreement in a bank, it fully agrees with the fact that it can exactly make it possible to make payments in a timely manner, until the end of the actions of the loan agreement.

Life situations may be different, and at some point, a person may appear for a fee.

If a person crossed the loan payment for several days — not scary, but if the bill went for months, and the proceedings are more than 6 months the bank has the right to sell your debt to the collector agency.

After that, begins from collectors with the requirements to return debt. Often they call not only the debtor, but his relatives and close, creating additional problems.

Also, collectors are not shyring to call the employer, which is fraught with the debtor of the loss of reputation in the workplace and even dismissal.

Collectors —

It is worth noting that collectors are ordinary people, the activities that are regulated by law, and they are entitled to:

All other methods of impact on the debtor are illegal!

At the same time, they are forbidden to communicate with the debtor from 22:00 to 08:00 hours on weekdays, and from 20:00 to 09:00 on weekends and holidays.

In accordance with the legislation of the Russian Federation, collectors do not have the right to contact citizens who:

Consider the main ways:

In the event that the collectors deliver discomfort to your relatives, it is necessary to take the following measures:

The debtor needs to contact a bank or a collector agency with a statement about the abolition of consent to the transfer of personal information to third parties.

Relatives of the debtor will also independently write a statement to the bank and the collector agency on refusal to cooperate with the agency staff through personal meetings and calls.

If the calls did not stop and in this case, then you can contact the police and the prosecutor’s office with a statement.

The best way to protect from collectors is a timely payment of obligations under the loan agreement. The credit institution is interested in the return of its funds, so it can even go for concessions. For example, refinance your credit or offer credit holidays.

But if you have not paid for a long time, the bank will submit for you to court and funds will have to pay through the FSSP, which carries many negative consequences.

Have you had any cases when collectors violated the law? — We are waiting for answers in the comments!