How to get rid of collector calls: recommendations

Today it is difficult to find a person who would not take a loan at least once in his life. This, of course, applies to large cities with developed economies. Modern realities are such that now there is no need to save up finances at all if suddenly something really wanted. It is enough to collect some documents, go to the bank and take a loan.

However, not always everything is invested as we planned. Unforeseen situations confront us with insoluble problems and there is simply nothing for a person to repay a debt. And then the banks, desperate to return their money, sell the debt to collection agencies that take on the baton of “knocking out” money.

Some people with a stable psyche are calm about collector calls, you can say this does not bother them much. Others, on the contrary, are extremely nervous, which leads to a deterioration in their health. How to get rid of annoying collection calls? How to make it clear to collectors that you are not a pear to fight and you should be treated with respect? Let's try to figure everything out in order.

What to do if the collectors get calls

1. For starters, do not be nervous and worried. Do not ignore these calls and do not pretend to be another person. Sometimes it’s enough to find out how much money is required from you. It often happens that collectors call people with the same surname living in the same area. Perhaps the collector is not looking for you at all, but you have already twisted yourself and startled from every call.
2. Find out how much money you need to pay. Perhaps collectors demand payment of non-existent interest and penalties. To do this, at the bank in which you took a loan, ask for a full statement of your loan. It clearly indicates when and how much the loan payments were realized, as well as how much you still have to repay. All percentages and additional payments are also indicated there.
3. Do not put out and do not show collectors weakness and nervousness. You must understand that the law is on your side. Collectors are limited in rights.
4. If the collector's call crosses all boundaries - for example, if the person on the other end of the wire is rude or threatens you, you just need to record the conversation on the recorder. This is especially easy to do if calls are received on a mobile phone. Modern models have a wide selection of applications that allow you to record sound directly during a conversation. If the collector makes calls to a landline phone, you need to put the device on the speaker, and then put the recorder on record. Thus, it is possible to reverse the threats and rudeness of the collector against the agency itself.
5. Remember that collection agencies often record conversations too. Therefore, be extremely careful in the statements - do not be rude and do not be rude to the interlocutor. In this case, you do not need to lie and say that the person whom the collector is looking for has left or died. Lies can be used against you in court.

How to get rid of collector calls

The surest way to get rid of annoying calls is to pay off the loan. However, this is not at all easy to do, especially if it comes to collectors. Surely, now you have a difficult financial situation. Therefore, it is advisable to go to the bank and talk frankly with the employees. Some factors, such as the death or disability of the breadwinner, give you the right to a grace period in the payment of a loan. At this time, you are legally exempted from credit payments.

It is impossible! Being in a difficult financial situation, even with the hope of a promising future, in no case can you take another loan to pay off the old one. Especially under more severe conditions. This will bring you even more problems.

If you get bored by collector calls, you can get rid of them by sending a registered letter to the office, which indicates how you prefer to receive information. The letter must indicate that the most acceptable way is emails.

If you can’t cope on your own, you need to contact a lawyer. Some human rights defenders specialize in receivables. A professional will help you figure out the debt, recalculate the percentage and explain the validity of the collectors. However, remember that the services of a lawyer are also paid.

When a collection agency crosses the line and behaves improperly, you can complain to the appropriate authorities. At the very beginning, you can write a statement to the police, and then file a complaint with the prosecutor. It is not a fact that a case will be instituted on your application, however, if there are several applications, law enforcement agencies will certainly be interested in this legal entity.

Often collectors scare debtors with lawsuits and lawsuits. Remember that you are not in danger of a criminal record and a criminal case. For non-payment of the loan, only administrative penalty is provided.

One of the latest ways to get rid of collector calls is to set up your phone so that the collectors just can't get through to you. If you are called from the same phone number, you can add it to the Black List. Then the interlocutor simply will not be able to reach you, for him you will always have “Busy”. If the collector is bored with calls from different phone numbers, you can do the following. Just put all the familiar numbers on the White List and that’s it! In addition to the designated numbers of your loved ones, no one else will be able to reach you.

Collector Rights

According to the new law, issued in 2016, collectors must comply with certain rules.

1. The collector does not have the right to call the debtor at night and during working hours.
2. The collector at the meeting or during a phone call should introduce himself, indicate the collection agency that he represents.
3. Collectors do not have the right to be rude to a debtor, mislead him, or deceive a person in order to receive a debt. You can not use foul language and physical force.
4. The collector does not have the right to enter the debtor's home or touch his property.
5. A person engaged in collection activities can use only words of belief. He explains the situation, indicates the amount of the debt, may take an interest in the terms in which the debtor plans to repay the loan.
6. The collector has the right to call the debtor's relative only if that relative was the guarantor when taking this loan.
7. The collector does not have the right to call the debtor to work. In this case, he violates the law on non-disclosure of personal data.
8. The collector does not have the right to call or write to persons under the age of 18, as well as to mentally ill relatives.

Remember that the state protects you. Of course, you need to return the money and pay off the loan. However, we should not forget that we live in a lawful state and any humiliation of a debt is unacceptable. If you are threatened, if you humiliate honor and dignity, feel free to complain to higher authorities.

Video: how to quickly get rid of calls from collectors and banks