Due to the recent increase in non-payment of the monetary obligations of individuals and legal entities to the creditors in the mass media and private conversations more often the word "collector".
Many of the name "collector" enters into a stupor.Professional image associated with muscular shirokosheim fighter with a club in his hands, sunglasses, and the absence of any remorse.Is this a description of reality, in fact collector - who is: a bouncer or a subtle psychologist?Can you resist him?We bring you the answers to these and many other questions.
term "collector" in this case stands as an official organization or individuals that collect debts or negotiate between the creditor and the debtor to repay the loan.Debt Recovery Company by any means (in most cases they are still legitimate or okolozakonnye) to convince to return the debts.Narrow-minded view of this criminal collector untrue.Their tools - mainly telephone, in the appendage to computer-based clients.
main purpose of
first collector company in our country began to appear in 2004.Their methods initially were really aggressive.Today, answering the question of the collector - who it is, you can safely answer that first of all is a financial consultant.The main duty of the expert is not just annoying phone calls and some form of human economic solution to his problem.The collector has to explain to the borrower payment schemes and repayment of debt, plan a budget and find a way to help the allocation of funds for the payment of the account of the creditor.The task of the expert really is not that his "wards" were the bailiffs, debt must be repaid in the pretrial order.
Collection agency for employment priority is given (and understandably so) by former law enforcement officials, military officers in the reserve, bailiffs, lawyers or employees of identical services in collecting banks.Many candidates have experience in investigative work, and skills that can not only quickly find the debtor, but also professional conduct explanatory work with him.Quickly, clearly, without unnecessary emotions.Also, the basic requirements that apply to candidates Debt Recovery company, is the presence of higher education.In most cases, it should be economic, financial or legal.At the same time, you can often face a collector-psychologist or teacher.However, many agencies recruit people without higher education, but with a deep knowledge of psychology and show good communication skills.
Moreover, the person applying for the job header must be persistent, flexible, and well versed in the psychology of the debtor, it must have a significant margin of computer knowledge and be able to handle different databases.This may be information contained in banks, insurance companies, central address bureau organizations utilities, telephone networks, credit bureaus stories and so on. D.
organize access and work with the data collector should be able to directly.Who understands this and understands the specifics of these problems, it is a real contender for the post.The international companies to the candidate may bring a claim for Languages.Also, given that collectors communicate with people, often "cornered" and they have to listen to threats and outright insults in his address, tears, prayers and lamentations, such work is certainly stressful nature and people play it,I must have the endurance and stress tolerance.Even despite the fact that collectors are taught to communicate with customers spelled scenarios, each situation is unique in its own way, and the reaction of the person on the other end can be unpredictable.In addition, each candidate has to know that the work dynamic manifold.This not only phone calls.Often have to travel to meet with clients on its territory, but it can also be located in the regions.
It is logical that collection agencies for their work receive a cash reward.In most cases, this is a good amount.It depends on the size of the debt.There are three ways of dealing with debtors.The first - when a lender offering debt collection company for the successful work done by a percentage amount.Depending on the degree of difficulty it may be 10-40%.Second - when the bank or company that sells a kind of collection agency "debt portfolio" for the amount by 5-15% lower than the cost of debt.In a third embodiment, the lender may not use the services of collectors, and try on their own to deal with the debtors through the courts.The last option - in the most extreme case.It is no secret that the bailiffs debt negligent borrowers may charge very long.Frequent delays in the proceedings - a usual thing.Therefore, lenders prefer a headache shift the Collection Bureau.
types of debtors
If the question of the collector - who is, more or less clear, here is who is the debtor, what is its psycho-known not for everyone.Sami collector firms to share borrowers who refuse to pay debts, developed a special classification system.Each company has its own, it can be, but most of the following types:
- alarmist.This man is entangled in its own debt.To pay the debt, it takes more and more new loans, and the repayment term is already clear.
- Weeper.Long may deny the existence of the debt, but that recognizes begins to "complain" that the blame all around (lenders, lawyers, collectors), but not him.
- rationalist.With the existence of the debt agreed.The following graph clearly newly proposed maturity.
- fraudster.Intentional deception goes on with no intention to repay.
collector job is to as quickly as possible to determine the type of borrower and apply the most effective measures.
Most of the people who collect debts, adhere to the letter of the law.In the state of collection firms have lawyers who are ready to clarify the eligibility of certain actions.Basically debtors psychological pressure.Calls for collectors have a goal to get the defaulter to make contact and to pay the loan.But sometimes a set of legal means are insufficient.So-called "black" collectors can go further than the telephone threats.Often, especially sassy debtors, confident of their impunity, shared stories of punctured tires filled with epoxy resin or door locks.
How to talk to collectors
If you are concerned about the persistent collectors, try to keep cool.To start inviting them to provide documentary evidence that these representatives are empowered to demand the return of the debt.If collectors are threatened, explain what you intend to record the conversation and contact the police.Threats and the more penetration into the territory of private property can form a criminal offense.Do not be nervous, and exercise restraint.Representatives of the collection agency may well recognize fear or uncertainty.Remember, this is you can apply them to court.
In conclusion, I want to add that the debts still have to pay.Let the knowledge of the collectors are purely exploratory in nature.