1. Telephone calls and text messages harass debtors. Through telephone bombing, SMS intimidation, claiming that the money will not be returned in time, satellite positioning, and smashing the house at home. Put pressure on debtors, and some laolai will give in to the pressure and promise to pay back the money. If you don't pay back, you will send the information about the arrears to the debtor's relatives, friends and colleagues, which will have a great impact on the debtor's daily life.
2. Go to the door to collect debts. If the debtor has been ignoring telephone messages, even turning a blind eye to the influence of friends and colleagues, some people will come to collect debts, but you will not use violence, but have a nervous breakdown and have to stick a wall, put a seal on it, or stay up all night not to let you sleep to collect debts.
3. Imitate lawyer's letters and other lawyer's documents. Some collections will copy the documents and send them directly to the debtor's home. Some debtors in unknown so will pay back the money for fear of going to jail. Of course, this situation is rare.
The collection company is nominally a legal and formal company. Of course, we all know that collecting is illegal. It's just that for people who owe money, it's hard to find evidence: the telephone short message bombing is through VoIP, which is difficult to trace back. If you don't bring someone to your house, you can sue for trespassing, but once you come, people won't destroy things at home. Secondly, you often bring evidence like IOUs. Even if the police can't handle it well, even if they leave today and come back tomorrow, the police can't help it. The relevant state industrial and commercial departments have made it clear that debt collection companies and debt collectors will not be registered at present; The Ministry of Labor and Social Security also claims that debt collectors are not legally recognized by the state.
On the one hand, it is forbidden by the state, on the other hand, it is crowded. This situation has a long history. According to media reports, professional debt collectors have appeared for more than 20 years. According to the estimation of relevant experts, 800,000 people will be engaged in this lucrative industry in the next decade.
The emergence of debt collection companies reflects many social problems. For example, those enterprises that default on their debts go to debt collection companies instead of going to court, which obviously lacks legal awareness; Punishing those enterprises that are still in debt after the court decision involves the law enforcement ability of the judicial organs. The more prosperous private debt collection companies are, the more it shows that there are problems with our social norms.
Of course, even if there are more reasons, the long-term ban by the state is reasonable, because the hidden dangers of the industry are really obvious.
Taking the way of "debt collector" as an example, the person in charge of the intermediary agency undertaking the development of this training business said that the trained commercial debt collector would call for debt collection first, then use letters, and then visit at home according to strict operating procedures. If they don't succeed, they will take legal measures, that is to say, using "legal means" to recover debts should be a criterion that must be observed.
The collection is not as reliable as everyone thinks. As an ordinary citizen, you may have spent a long time in the face of dozens of pages of collection contracts. If you are not careful, you may be hit in the face by a clause in the contract. What's more, in the face of the power and background of the collection company, most ordinary people are helpless. The money has been transferred from the debtor to the collection company, but not to the creditor's own mobile phone. I have to say, this is a tragedy. Therefore, it is suggested to deal with accounts receivable through legal proceedings or arbitration procedures.