How can I collect a debt?

Serious economic and political changesin the country, the troubled times of the initial accumulation of capital, constant and unceasing crises. After all, you can not argue that all this is extremely rich in our modernity. And just by itself, our notorious mentality - all this very often leads to a situation where the return of debt by the usual methods is quite impossible. Therefore, the problem of how to collect a debt becomes more and more actual for our reality. Currently, new methods and opportunities are constantly emerging to recover debts, both from a physical and a legal entity.

Before we proceed to our discussion, we note that a somewhat separate topic is the question of how to collect alimony. Read about this in the relevant article - "How to collect child support?".

Types of debts

How to recover debt from the debtor? To do this, there are many traditional and not quite ways. The methods of an oral reminder about the need to return money, appeal to the appropriate law enforcement bodies, as well as appeals to the judicial system are most often used. Apply these methods rationally in accordance with the prevailing situation. Depending on the reasons for non-return, all debts can be divided into these types:

• non-return due to a lack of debtors in a real financial opportunity,
• confidence of debtors in the inability of creditors to impose penalties on the property available to the debtor.

In addition, any of the debts can be attributed tocategories of "provable" and "hopeless". We will not focus on the first. After all, about, for example, how to collect a debt on a receipt, in our time any free lawyer can consult. Let us dwell in more detail on the so-called "hopeless" debts, presenting the creditor's correct behavior in the form of some algorithm.

The sequence of actions for recovering a bad debt

1. First of all, it is necessary to investigate andanalyze the problem situation, examine the systems in which your debtor is involved in various relationships. Expand your circle of faces. With a competent approach, in the end, the debtor will have to pay. Of course, we are not talking about criminal threats. Just find a business relationship that the debtor simply does not dare to lose. At this stage it is important to pay attention not only to legal, that is, formal relations, but also to managerial, economic and personal ones.
2. After the first step is completed, theto simulate the behavior of the debtor. It is necessary to formulate clearly what actions from him and those associated with him are required of you. This kind of modeling is used to find out whether it is possible to return a particular debt at all. In the event that compelling a debtor to pay personal debt is the main task, this stage does not require a lot of effort.
3. The scheme is difficult if the debtor does nothas sufficient financial ability to repay the debt. Of course, the proposed payment schemes must be economically justified and should not go beyond the current legislative norms. In addition, modeling behavior plays a significant role in ensuring safe collection. If there is a danger of a retaliatory action, you will need readiness for defense. And the best protection is the informational openness of one's activities, in which all opposition can be easily communicated to the public or to certain specific individuals.
4. The third step is the inverse logicrecovery. Draw conclusions from the model of behavior of your debtor, and after that, try to understand what became the cause. Of course, that the degree of studying the system of actions of the debtor, as well as third parties, directly increases the effectiveness of the impact. This step is especially important for carrying out work with motivation. Also, on the basis of the reverse logic, it is necessary to develop a collection program, including in it the possibility of consulting for the debtor, as well as a scheme for solving the existing problem.
5. Well, the fourth inseparable stage of the wholedescribed by us large-scale and difficult strategy is the direct enforcement of the collection program, as well as information and public support of its activities.

Making the program of how to collect a debt, consider the following points:

• Selection of message sources. The repayment scheme can come from the creditor himself, the collection agency, the lawyer, or even the council, deliberately created for this.
• The choice of the form of threats provided, as well asproposed return schemes. To put it more simply, it is necessary to decide how to deliver information to the debtor. The most optimal is a written notification. Call the debtor after a few days and make sure that he has accepted the notification.
• Selecting the sequence for submitting tips andthreats to the debtor. As for the first notification, place the threats in the most generalized formulations, indicate knowledge of several key points. Systematically describe, and then demonstrate and implement a full set of threats.
• It would be quite appropriate to useleast costly, but at the same time no less powerful threats in the first place. These threats include, for example, the dissemination of information, or all kinds of publications on available resources. After that, throw in the fight threats that demonstrate a direct transition to support from PR for the rightness of their actions. The debtor must personally and directly verify morally that the debt will be recovered from him in any case.

The entire procedure described above is acombined humanitarian technologies, as well as legal methods. It manifests itself in the use of information, high-speed threats, which at the same time do not go beyond the law. We should not forget to describe to the debtor extremely lucidly all the existing prospects for applying the norms of civil and criminal law. After all, he personally may not even suspect about some of them.