When a loan agreement is signed, the person is separated from the contacts of his acquaintances so that the organization can interact with these people. In practice, if the debtor subsequently experiences delays in repaying his debt, collectors often begin to interact with any acquaintances of his whom they can find contacts. Arseny Poyarkov, arbitration manager, head of the BusinessDrom analytical center, told socialbites.ca.
“They are looking for additional information about the debtor’s acquaintances from open sources, for example, they look at his social networks, examine his workplace and look for acquaintances they can find,” the expert explained.
According to Poyarkov, if collectors call people who are not specified in the loan agreement, then this is actually hooliganism and can be answered within the legal framework – write a statement to the police or the FSSP, which supervises collectors.
“However, it is important to understand that debt collectors often act in disguise and do not directly leave contact details of the organization they represent, so it is not so easy to detect them. In fact, such actions can only be stopped by applying to the specified organizations, but due to the different numbers you have to write a lot and often “And calls from collectors will have to be rejected. Relatives and friends do not need to contact these people by phone. They will call as much as they can. If the technical characteristics of the phone allow it, you can impose restrictions or block calls from numbers you do not recognize,” said the lawyer.
But if you want to understand this problem fundamentally, there are two basic ways: to pay off your debt or, if it is impossible to pay, to write it off through bankruptcy proceedings.
“In this case, the debtor will have to file for personal bankruptcy and as a result, all debts will be erased. As soon as the case number appears in court, the number of searches drops sharply. Both options will lead to the fact that collectors will stop calling both the debtor himself and his friends, since interest in the search will disappear: each call from collectors is money spent, and the debtor who has reached the bankruptcy case becomes a person who is unlikely to go bankrupt. something will pay,” he concluded.
First time in Russia before started Case of violations in the repayment of debt by collectors.