There are two kinds of debt collection companies. One is that they have industrial and commercial registration and obtained industrial and commercial business licenses. Moreover, their business projects include collecting money to solve economic disputes. Most of these enterprises are economic law firms, and the way to collect accounts is through legal means.
The other is that they don't have the qualification to collect accounts, and most of them don't even have business licenses. Most of the methods they use are illegal, and once the consequences are caused, they will bear legal responsibility.
Judging whether a debt collection company is legal or not mainly depends on whether its business license and license are the prescribed business items. If it is not qualified or unqualified, it is not a legal debt collection company. In this case, it may lead to litigation against creditors.
In the Notice, the nature and behavior of illegal debt collection are very accurately defined. "Debt collection companies undertake debt collection business and do not have the authority and coercive power given by law. Generally, laid-off, retired and other social idlers are hired to get paid by urging, stalking, tracking or damaging the debtor's reputation at home;
Some even use threats, intimidation, cajoling, extortion and even kidnapping to endanger the personal safety of debtors and seek illegal interests. "
Although the current "debt collection companies" are generally branded as "business investigation" and "business consultation", their essence is to engage in illegal debt collection activities.
Therefore, the "debt collection agreement" signed by the employer who hired the debt collection company and the debt collection company does not play any role in protecting creditors in essence.
Legal debt collection method:
1, first understand the debtor's repayment ability. Such as deposits, wages, real estate, cars, provident fund and so on.
2. Bring a lawsuit to the court.
3. Request the court to "preserve" and "seal up" the corresponding assets under its name, and go through relevant sealing and preservation procedures, such as providing some guarantees.
4. It is best to cooperate with the court to handle relevant procedures such as seizure and preservation, so as to prevent the other party from getting news in advance and transferring assets.
5. If the assets corresponding to the debtor's loan amount are successfully sealed up and preserved. You can wait until the trial.
6. If the judgment is issued and the other party loses the case, no appeal will be filed.
7. Creditors can enter the execution stage.