Why can the bank easier to sell the debt to collectors than to go to court?

For sale by credit institutions of the current overdue debt collectors is considered popular practice.

This right behind the Bank is enshrined by the Civil Code of the Russian Federation and other regulatory acts. The transfer of rights to the third person is possible, if there is this condition in the loan agreement.

In 98% of credit contracts, such a condition is, as a person who receives money in the bank signing a loan agreement does not read it very often.

That is, the debtor will only pay the principal debt, on the first request of the debtor, the court will cancel all fines and additional interest.

Thus, the debtor wins the time, and the bank carries losses.

Not the fact that the debtor has some kind of property and work. The process of returning funds through the service of the FSSP can delay.

For the bank, debt sales collectors provide relevant advantages:

According to Art. 385 of the Civil Code of the Russian Federation is a credit institution, when transferring debt to the collector agency, should inform the client. For this, it sends a notice of debt translation.
In case the debtor does not live according to a confirmed address, then difficulties may arise with receiving notifications. The debtor’s necessary information is entitled to get directly in a collector organization.

When a solution to the situation seems too hard for you, then notify the agents that you will pay debt only to conclude a court.

The permission of the case in judicial proceedings is beneficial to the borrower under the following circumstances:

However, you should not forget about risks if the agents turn into court and their activities will be legal, then the debtor lies the responsibility of paying all court costs.