Is the collector calling? It's not a problem

Now it is quite often possible to face the situation associated with the non-repayment of loans. The reservoir is designed to combat this phenomenon. This is a specialist whose activity is directed directly at the recovery of money from the debtor. Simply put, the collector is a professional debt collector. In the CIS, such a business is very young. If there are thousands of companies operating in the states that provide services for collectors, then in Russia there are only about 100 such organizations.

What to do if you for any reason did not pay the loan and the collector called you? It's not as scary as it might seem at first glance. There are many methods that will help you to properly behave in a conversation with such a specialist, as well as furnish the situation as profitable as possible for yourself. However, one must understand that combating reservoirs is an occupation that involves some risks. But let's talk in more detail about the methods of struggle. The first option, which you need to remember when the collector calls you is the legal method. The essence of it is to shift the emphasis on the correctness of the compilation of various documents.

The very first thing you need to do is re-read the loan agreement. It should indicate whether the bank has the right to transfer your debts to a third party. If there is no such clause in the contract, there is a direct violation of bank secrecy. If the right of transfer is present, require from the collector a copy of the contract between his organization and the bank or a power of attorney, which gives the collector the right to represent the interests of the bank.

Also, require that all copies provided to you by the collector are certified with the signature of the official, and also with the stamp of the bank. In the event that the securities are in order, require confirmation of the authority of the person who signed all of these copies. The main thing to remember is that you will be responsible for the unpaid debt only after the court decision.
As you can see, if the collectors call you, it's still not so scary. Remember that the collector is also a person, and therefore it is quite possible to fight it with psychological methods. It is necessary to use the communication technique correctly, as well as to have a good command of one's emotions.

One of the goals pursued by the collector is the drawing up of a correct psychological portrait of one's interlocutor.

You need to make sure that the portrait created by him does not correspond to reality. This error will not allow you to apply the correct method of work in relation to you. Do not avoid talking to the collector, but make sure they are ordered. At the end of each conversation, agree on the time of the next call. After that, do not take the phone until the time that you have agreed about is reached.

Remember that collectors never want to bring the matter to court. Most often, it is far from profitable for them, since court costs can be much more than your debt. So sometimes it's enough just to say that they can sue, after which they can leave you alone.