How collectors collect debts?

Collecting organizations are helping banks find it so debtors can quickly check information about citizen who wishes to get credit? Of course not, and it often turns out to be wrong. When it becomes known to the bank, it was too late: the service provided, the money issued, and return them no hurry. As in this situation comes Bank: looking for the debtor's own appeal to the law enforcement agencies, began to blame their employees for negligence? More recently, banks have begun to contact the collection agencies, whose employees (collectors) collect the debt by telephone calls to the contact numbers of debtors, leaving the debtor with the notice of debt. Reasons for non-payment may be different: from basic unwillingness to pay cash up to the death of the debtor. The task of the collectors is to find out the causes of non-payment. In that case, if a citizen of solvency, it should demand repayment. Collection activities carried out within the framework of law and guided by the following rules: the Civil Code of the Russian Federation and the Russian Federation Code of Administrative Offences, the Criminal Code of the Russian Federation Federal Law № 152 "On personal data", Federal Law № 149 "On Information, Information Technologies and Protection information ", Federal Law № 127" On Insolvency (Bankruptcy) ", etc. The Law on collection activities in the Russian Federation has not yet passed, although professional associations, collection agencies are actively discussing and lobbying bills prepared by them. How does it work with debtors collection agencies? Collection Agency Morgan & Stout is working on the collection of debts in several stages. In the first stage the agency tries to collect the debt yourself: defaulters sends a notice of arrears to staff the call-center call to the debtor, recalling the outstanding debt. If the debtor does not touch - for the first notification should be a second or a second call. As a rule, in the process of communicating with the debtor, the creditor sounded a standard set of problems that can arise when non-payment of debt: Bad credit history, the ban on travel abroad, the confiscation of personal property which may be followed as a result of the trial. Collectors in the dialogue offer several options for the debtor repayment. Second stage. If the debtor fails to get through, he does not respond to notification, to delivery of the document - the requirements for repayment of debt - the debtor himself leaves the collector. Its mission - to formulate the requirements of the bank and reconcile debt maturity. We must understand that cheating the collector, the situation does not improve. Promising to repay the loan in part or in full within a certain time, keep it. In any case, we should not make hasty actions, and not to give unrealistic promises, we should look for compromise solutions. If the first two stages of communication with the debtor does not stack, should the court. The solution, as a rule, in most cases is made in favor of collection agency. Based on the foregoing, I would like to add that to avoid problems is better to pay the "hanging" payable immediately, and upon payment to the bank for a certificate of loan repayment.