is difficult to find a company or organization that no one should.Unfortunately, business partners, and customers sometimes do not behave very decently and do not fulfill its commitments.On the banks of a different story altogether: their debtors and always enough, and after the crisis of 2008, they appeared in great numbers.
first financial institutions have tried to solve the problem of non-payment on its own (through telephone calls, letters), and then, realizing that this activity is ineffective, began to involve collection agencies.Ultimately, the only solution in many cases debt collection in court.
similar scheme for the bank debt repayment, though not the most simple, but at least reasonable.After all, each financial institution has a staff of competent lawyers able to not only make a claim, but also to defend it in court.If a creditor acts as a small organization or even a private person, for him such an option may seem too complicated.Help solve this financial problem can service debt recovery (collection agency), which is now quite a lot on the market.Employees of such companies work in all phases, from the phone calls, letters and home visits (to the office) to the defaulter, and ending with accompaniment in court.
In some cases where the creditor no time to "knock out" the debt, the credit can be sold by the same collector obtained though a smaller amount, but at once.And already they will then collect debts on their own, and to return their money.
If the lender is a bank, the debt collection in court does not occur immediately.First, try to solve the problem peacefully, figuring out the cause of the delays in payment and trying to have a psychological impact.This is due to the fact that the recovery of the debt claim - employment rather long and quite expensive (have to pay the legal costs, lawyer's work, and perhaps even some examination if the court will appoint them).In the end, because you can get, and the refusal, this also happens.
But even having the court decision in their favor, the lender can not always pick up the money.In a situation where debt recovery is carried out in court, a positive outcome also depends on the work of state artists.It is this service will provide search and seizure of property by which it will be possible to satisfy all creditors' claims.Since the debtor is sometimes simply nothing to take, so it turns out that the decision on the penalty is, and there is no sense of it.
On the other hand, the truth is not always on the side of the lender.In some situations, the debtor is not only innocent, but the injured party.Just a private person to argue with the largest system the organization is very difficult, and even in court to defend their case can not please everyone.Some do not even try, knowing that the chances of winning are slim, and continue to pay the incomprehensible amounts higher interest and additional fees charged by the bank.
But the borrower if the bank illegally requires him additional amounts it is entitled to challenge even after the full repayment of its loan.If he refuses to refund the overpayment, the recovery of debts in court is the only way out.Of course, it is better not to do it alone, and have recourse to lawyers.And it is desirable to include payment for their services in the amount of the claim.
