Regarding the many questions that arise if the firms collection or not they have certain powers to collect, see this article published in Tabasco Hoy. I should clarify that the last point, I do not really agree, because the risks of dealing with an office are many. However, if you want as a debtor to agree with them, before doing so check with the bank if the firm has your debt legally, with a letter from the CNB and is the bank that guarantees the payment, NO the office, who usually rely on the ignorance of people to make theirs.
collection
Offices Are they illegal?
although they are entitled to collect, here we tell you what
limits
Many are the comments surrounding the collection offices today, by the distrust that has been generated around these places of work, the professionals that they work.
In most cases, are accountants and lawyers who sometimes lack professional ethics and abuse the trust of customers who come to them to solve problems that did come to that request and to rectify their legal status within a credit bureau or collection managers. It is certainly important to know that much hierarchy or how far these firms are entitled to not be victims of fraud.
1 .- Is empowered to attach?
are only when ordered by a judge, in a procedure which must be legally notified. The letters they send you are not legal documents and therefore you should not take them as true.
2 .- Can exercise criminal action against me?
No one can be imprisoned for a debt to a lender such as banks, but for fraud. The latter applies when you provide false information to the institution and act with intent from the time the credit contracts to be illegal profits.
3 .- Can you talk to any day, time and leave a message with which they answer?
The Code of Ethics of the Association of Professional Collection and Legal Services states that can not> make requirements payments to minors or elderly people. Call
inadequate at times (between 11pm. And 6 am.)
occupied as an authority. Using stationery
similar demands.
make public the refusal of the user to pay
4 .- Is it legal for a bank to release your portfolio to a billing office?
Article 93 of the Credit Institutions Act empowers it, but when it happens who acquires financial institution must inform the donor when the user meets its payment obligations to make modifications in the credit bureau.
5 .- Do I have to complete the negotiations with the office?
The firm acquires the rights and obligations, so that debtors must negotiate with them to pay the debt. When you come to an agreement must deliver the document that protects it and make sure you inform the bank that has paid off your debt.
To read more:
Do firms purchase the debt collection?
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