Debt is an extremely undesirable thing. However, today there are very few people who would never borrow. Previously, due to unpaid debts, debtors committed suicide and sat in debt pits. Today the situation with the return of debts is different.
In the dashing 90s, tough guys knocked out debts from citizens, who put not only moral pressure on the debtor, but also stronger arguments. Such instruments of torture as red-hot soldering irons, irons, doorways and so on were used against them. Under such pressure, debtors quickly found money. And if there was a shortage of the proper amount, the bandits could put the client “on the counter”, which added a penalty interest. Then an unscrupulous debtor had to sell a car or an apartment, because life is more expensive than acquired property.
Today, the situation with the return of debts is different. The principles of work of people persuading the debtor to return loans have changed: instead of soldering irons and irons, psychological methods of influence are used. This is done by collection agencies, which are staffed by economic consultants, certified lawyers and psychologists. The task of the collectors is to poison the life of the debtor until the debt is paid off, no matter what life circumstances he is in. It all starts at a time when a credit institution despairs to receive credit funds and asks for help from collectors.
In one case, an agreement is concluded according to which the collectors receive a fixed percentage of the amount owed. The bank remains the creditor, and the collectors act as intermediaries who, if not ruin, then scare the client half to death. In another case, the collection agency and the bank agree on the assignment, that is, the sale of the debt. Then the debtor becomes obliged not to the bank, but to the collectors.
In our country, there is no law regulating collection activities, which means there is no constant strict control. Practice shows that the methods of work of collectors are becoming more sophisticated day by day.
First, they collect dossiers on the debtor, violating the constitutionally guaranteed human right to privacy. Collectors will find a client everywhere and, at best, harass him with phone calls, humiliating and threatening him.
Collectors also use social networks for their activities. By registering under assumed names, they enter into correspondence with an unsuspecting victim and make an appointment. When they meet, they can limit themselves to a receipt for repayment of the debt, or they can intimidate a person so that he will unconditionally repay a large debt.
