Call collectors on other people's debts, what should I do?

Most likely, you had at least once in your life to use the services of the credit system. But not everyone who took the loan could repay him on time. In this case, in order to get the debt from especially negligent payers, collector companies enter the business. Communication with these gentlemen delivers many unpleasant minutes. Particularly offensive, when collectors are accused of foreign debts. For the sake of justice it is necessary to say that this happens infrequently, but this does not make communication more desirable. Why this happens and what to do about it - let's talk below.

Who are the collectors and why do they call

Such an unusual word for "collector" in the direct translation means "collector", but it should not collect stamps or a collection of butterflies, but money from negligent payers. Collectors can act as individuals, as well as entire organizations - collection companies. Sometimes such "collectors" are also staff members of the security service of banks. Their main duty - by any means (legal) to force the debtor to pay off their financial obligations. Sometimes in the fulfilled scheme failures occur which can turn out unpleasant consequences.

There are collectors calling for other people's debts due to various reasons, but more often than not, this happens by mistake, which can sometimes be very difficult to fix. "Collectors" have long been accustomed to working in unusual situations and often simply do not react to your persuasions and explanations, because people who do not want to pay a loan, also often say that they have nothing to do with it.

You acted as a guarantor?

If you constantly call collectors on other people's debts, remember, are not you a guarantor for the loan of your friend, relative or colleague. It was? Then the calls of the "collectors" even to the address, probably, the person who took the loan, formed a solid debt, and the bank decided to recover money from a guarantor, that is, from you.

The first thing you need to do is to contact the person making the loan and try to find out whether the delay in payment has actually occurred and how soon it is going to pay it off. Perhaps, it is worth to look together ways to solve the problem - to negotiate with the bank about refinancing a loan or try to re-lend to another organization (of course, in this case it is not worthwhile to act as a guarantor for the second time).

If it turns out that the debtor is really unable to settle the obligations, the debt really passes to you. Also it is necessary to pay it. The best thing you can do is apply to the bank for a joint search for a solution to the issue. After you pay off the credit organization, you have the right to collect from the relative (acquaintance), on the loan of which you were the guarantor, the entire amount of the debt in court.

In all the relatives are to blame

Quite often there is a situation when a loan was taken by someone from your relatives, and you did not know about it at all. Since it is the duty of the collector to get money from the borrower by any legal means, in the event of a delay, they begin to pester the calls of all his relatives and friends whose phones can be found.
It is worth knowing that since you were not a guarantor for the loan, you can only have an attitude to debt repayment in two cases:

• In case of death of the borrower, if you are the heir of the person who took the loan, and have already accepted the inheritance;
• If you are the wife (husband) of the debtor, but in this case you are forced to pay the debt only by a court decision.

Therefore, if collectors call on someone else's debt that was formed in your brother / sister, parents, uncles, aunts and any other relatives, safely say that you do not have any debt and do not have to pay it.

In the answer for the neighbor

Quite often collectors, striving to achieve the desired result, begin to act in all directions. Many of them, not having achieved anything directly from the debtor or his relatives, begin to call all the neighbors, colleagues and friends of the borrower, counting on what such an "attack on all fronts" will bring an early result. In the event that collectors call you on other people's debts, to which you have absolutely nothing to do, politely and firmly explain that absolutely no obligation to the "collectors" or their client. And ask him not to call again. If this does not help, please contact law enforcement authorities resolutely .

I do not know him

Sometimes, however, it happens that collectors call someone else's debt to someone you do not know. This happens for various reasons - for example, your phone number previously belonged to the person who actually issued the loan, or you moved to an apartment, the former owner of which took the loan, indicating at the same time his old address. Sometimes there are banal typos in names, phone numbers and other data.

Unfortunately, in this case, a simple explanation is unlikely to get rid of the collectors - it will be necessary to make more efforts. First, find out the data of the person for whom you are accepted, then make a request to the bank, which represents the caller. In the letter, indicate that your contact information is mistaken for a person you do not know and ask for changes to the database. Wait for the answer. It is best to additionally take in this bank certificate that you do not have debt on the loan. Remove copies from all these documents and send them by registered mail to the collection company. If after all the above manipulations the persecution does not stop - write the application to the prosecutor's office and the police.

If collectors call your relatives

Of course, it's very unpleasant to get into a situation where collectors call on foreign debts. Especially if these debts are really yours, and the callers are concerned, for example, with the parents of old age.

First of all, you need to explain to your family that you really have debts that you are going to pay off in the near future and ask them not to be nervous. Next, you need to ask your relatives to remember what you can and can not say to the collectors and how best to build a conversation. To avoid additional problems, in no case should you disclose any personal data about yourself or about your relative-debtor. Your relatives do not have to tell the collector any information: a new surname, address, phone number and other data is your personal business. It's best to patiently repeat that they do not have any direct contacts with you, do not communicate at all and absolutely do not know where you can be found. If your family will adhere to such tactics, sooner or later the collectors will be left behind.

Letters of "Happiness"

In addition to the fact that collectors call on someone else's debt, sometimes they also deal with "targeted delivery". One morning you can find in your mail box a letter indicating how much and which bank you owe, as well as the message that the debt is transferred to the collection company. With the passage of time, letters can appear more often, and the amount in them can constantly increase. It's very simple to fight this kind of activity of debt collectors - do not react to it. Most often, these "masterpieces" are simply printed on the office printer and do not imply any seals and signatures, which means that this is just a piece of paper that has no legal force.

I phoned ...

Phone calls from collectors on someone else's debt can deliver incomparably more trouble, because often they are repeated daily and at any time of the day. Even if the call center operator is extremely polite, the fifth call already causes irritation, and the fifteenth one infuriates.

Sometimes the phone conversation is not just about communicating with a bank employee (collection company), but rather tough, using obscene expressions and threats against the debtor and his relatives. Remember: such actions are illegal and entail criminal liability under articles 163 and 119 of the Criminal Code (extortion and threat of bodily harm, respectively).

Physical impact

Even less often the threats of collectors for someone else's debt go to the stage of physical contact, for example, they can visit you at home or at work. If the office is still a public place, the most that you can be threatened in this case is a hideous scandal and slanting views of colleagues. But at home you need to be especially careful:

• In no case should not let uninvited visitors enter the apartment;
• Try to record a conversation on the phone or voice recorder;
• All conversations are conducted only in the presence of witnesses, for example neighbors.

Collectors call on someone else's debt - what to do and how to be

If you are still unlucky and you are faced with persistent employees of the bank or collection agency, first of all do not panic. In order to quickly stop unpleasant communication, you need to develop a clear line of behavior, because hoping that you will be left alone, just do not have to.

So, what to do if they call from the bank on someone else's debt:

• First of all, you need to find out who you are communicating with, find out the name, first name and patronymic of the interlocutor, as well as his position;
• Then try to find out the full name of the organization, its actual and legal address, as well as contact phone numbers;
• Record the personal data of the debtor sought by the collector (employee of the bank);
• Quietly listen to the calls of the caller and ask him to contact you later;
• If the caller refuses to tell you the above data, calmly end the conversation, warning that they intend to apply to law enforcement.

Then we will have to act on the following circumstances:

• In the event that there are grounds for the call (for example, you acted as a guarantor under a loan agreement of a friend), it is most reasonable to obtain the support of a loan lawyer, and the employees of the collection agency (bank) are invited to apply to the court;
• If you just acted as a contact person at the conclusion of the contract, and even more so when you do not have any relation to the borrower - contact the bank to clarify the situation, collectors on the second call inform about the actions taken and ask not to disturb you;
• In the event that calls continue to be persistently - try to record a conversation on the recorder and contact the police with a statement of extortion;
• If this did not work, write to the prosecutor with a complaint about the inaction of law enforcement agencies.

If nothing helps

In the event that all of the above methods do not give the desired result, and collectors are harassing people at night for other people's debts, the only right decision will be to go to court. Having enlisted the support of a qualified lawyer, you can easily demand from the bank compensation for moral, and in some cases, physical harm. For example, if, after communicating with the collectors, your blood pressure has sharply increased and you need help from a doctor, the bank will have to compensate for the costs of treatment. So if communication with debt collectors has brought you "to the handle", do not forget to keep all the references from the clinic and checks for medications.