So how do they collect debts? If it is usury, it is almost a war that only the debt collection team can participate in. Because the legal channels of "customers" have been blocked: according to the judicial interpretation implemented in 20 15, the annual interest rate of private lending is protected within 24%, and the interest over 36% is not protected by law. If the borrower requests to return the money, the court will support it.
Liaocheng debt collection team likes to play "crowd tactics", such as sending "ten eight people", which seems to be the practice in the industry. Zou Haifeng is also "generous" in employment. Usually he will send three cars, "5 to 10 people is enough". The number of people will affect the deposit. In his place, five to seven people generally need 5000 to 1000 yuan. In the face of people who owe money, what they want to do is to "make him feel worse than being threatened." He insisted that you should not threaten others. Threats are illegal.
Liaocheng debt collection team doesn't care to show their cards first. He bluntly said that his early tactics were "public opinion wars". The team will take people to the borrower's hometown, "go to his hometown to make trouble first", and talk to parents and village branch secretaries. "Just go to his hometown to' publicize' and see if he is shameless." Liu Zhengyi, a lawyer, scoffed at this tactic. "It is nothing more than affecting the lives, production and work of others."
Many members of the debt collection team said that sometimes calling the police can't completely solve the problems of both sides. For debt collectors, it is even more "impossible" because he owes us money.
A report from People's Daily Online in August 2065438+2006 proved this point. At that time, a group of people from debt collection companies lived in Li Zhiguo, a resident of Henan Province, for seven days, repeatedly mistreated them, prevented them from sleeping and forced them to pay back the money. Li Zhiguo called the police several times, but the police said that "this is a civil economic dispute and does not pose a threat to people", and only confiscated the sticks of the "debt collectors". Li Zhiguo finally jumped to his death on the top floor.
Liu Zhengyi, a lawyer in Liaocheng, said that there would be fewer and fewer similar situations in which the police responded negatively.
He told reporters that the relevant departments in Liaocheng attached great importance to this. "Public security at all levels have held meetings." If there are restrictions on personal freedom and other similar situations, we must deal with them in time. "I dare not care now."
Other Liaocheng lawyers also insist on not looking for debt collectors who have both good and evil: "If you look for them, you may get your money back, or something may happen-if you don't get your money back, you have to go in."