Do not be afraid to talk to the collector.But first, ask them to introduce themselves, present their passport, power of attorney, confirming its powers and assignment agreement (the original) - assignment of debt claim.If he refuses to provide you with information and other documents, just stop communicating.
If the collector politely introduced himself and began to explain the essence of the case, listen carefully.Ask questions if they have any.Ask the collector to present the original document, accordi
ng to which it requires to repay the debt.If that is not represented, you have every right to characterize the actions of the collector as extortion.
If all the required documents shown to you, including the original power of attorney, do not be lazy to determine whether the authorized collector come to you to make the actions that it has already committing or about to commit.I mean, compare what is written in the power of attorney, so that makes a collector.For example, it tells you that you have prepared all the household appliances, after which he will withdraw it in the account of your debt.Such powers, he can not be sure, becauseinventory and seizure of property is possible only by court bailiffs and exclusively.However, ask the collector to show you the point in the power of attorney on the basis of which it makes you such demands.If a point in the document is not available (and it may not be there by definition), you have every right not to comply, more - call the police or invite witnesses.
you would be wise if all communication with the collector will capture.Use the video and take pictures, voice recorder, the individual functions of a mobile phone.Well, if from the very beginning of your conversation will take place in front of witnesses.Demonstrate your knowledge of the law and your rights, stating that all records can be in the prosecutor's office.At the same time your application should not wear a threatening nature.Try to steer properly, do not break on being rude and insulting.
Do not get lost and do not start making excuses, and even more, to cry in response to pressure and rudeness.Right to recover the debt collectors have no more than the others, it is foreign, the people, ascollection agencies are not law enforcement.Their representatives behave at times so unbridled, using psychological pressure on the debtor, being confident in the legal illiteracy.Most of the tricks really work.That's why you should know the laws.
If communication initially adopted a negative collector threatens you, blames cheating, insults or humiliates boldly call the police and write a statement.
In no case do not put his signature on any document.Say what you want to show before their lawyer.
You can not let the collector's house.Constitution of the Russian Federation are guaranteed inviolability of the home.
Nothing and no one can prevent you settle your relationship with the creditor without the mediation of collectors.You can go to court and defend their constitutional rights, and can negotiate with the collector on the installment repayment of your debt.