They Are Threatening My Enforcers | First Debt
If you ignore reminders from your creditors, you can now expect to be asserted by professional enforcers. This can give your creditors the mandate to recover the amount owed. Another option may be to sell your claim to another creditor, which is currently the enforcement agency that is making a living. In order to be successful and feed on the market, they usually use law-edge practices. There are a large number of smaller companies in Slovakia, only a few are large collection agencies.
Although enforcement agencies do not have any support and options in the law (such as a bailiff), their actions are very effective.
What are the enforcement techniques?
The goal of the debtors is to break the debtor mentally and recover the debt in almost any way . In practice, these can be frequent and intense visits by borrowers at home, at work,… actually everywhere. By intense we mean intimidation and blackmail. Almost no one will endure such pressure for a long time, and in many cases they prefer to borrow to pay the debt. But as a result, the borrower only continues to debt and begins a vicious circle.
What can the enforcer do and what must not?
If you are approached by a enforcer, it must be proven whether he is acting on the basis of your creditor’s full power or whether he has purchased the claim. Whether it is actually eligible for recovery. Then you can try to find a friendly solution with him, which in most cases will fail. These negotiations can be very emotional and even aggressive. Therefore, keep in mind that:
- Enforcer is not a bailiff, ie. is not an official
- Enforcer must not enter your apartment / house
- The enforcer must not confiscate property
- The enforcer must not use police interrogation methods
- Keep witnesses, ideally camera on.
- Never pay anything in cash!
Change of lender
If the creditor is changed, you will be notified of the assignment (in terms of divestiture) of your claim to another creditor. You do not need your consent to do so (except when there is an agreement with the creditor that the claim cannot be transferred to another person). Upon receipt of the notification, it is your responsibility to repay the obligation to the new creditor.
If you do not want to be under pressure and pay 100% of your debts, please contact us.
Our certified specialists will be happy to advise you for FREE.
Our separation of legal aid is able to reassess all of your commitments and find loopholes that make it possible for court claims against creditors to be challenged. Alternatively, we will be able to agree with the majority of creditors on better terms and payment schedules that will be acceptable to both parties. It depends on the particular case.
Do not wait until your debts grow over your head and contact us via our contact form or by calling 0800 221 331 . We will help you!