In dashing 90-e the debts of the citizens beat strong guys that had the debtor not only moral pressure, but more strong arguments. They used these instruments of torture, as the red-hot soldering irons, doorways and so on. Facing such pressure, the debtors quickly found the money. And when you lack the proper amount of bandits can put the customer "on the counter" that adds a penalty interest. Then unscrupulous debtor had to sell the car or apartment, because life is more expensive acquired property.

Today, with the return of debts, things are different. The way people work, to convince the debtor to repay the loans has changed: instead of soldering irons in the course are psychological methods of influence. This involved a collection Agency, the staff of which consists of economic advisers, qualified lawyers and psychologists. The task of the collectors to make the life of the debtor until the debt is paid, no matter in what circumstances he is in. It begins at the moment when the credit institution gives up to obtain credit and appealed for help to the collectors.

In one case, a contract under which the collectors receive a fixed percentage of the debt. The lender remains with the Bank and the collectors act as intermediaries, which should if not kill, then scare the client to death. In the other case, the collection Agency and the Bank agree on the assignment, i.e. the sale of the debt. Then the debtor becomes obliged to the Bank, and collectors.

In our country there is no law regulating collection activities, and therefore no permanent control. Practice shows that the methods of the collectors by the day becoming more sophisticated.

First, they collect on the debtor's dossier, violating the constitutionally guaranteed right to privacy. Collectors will find the client anywhere and, at best, brought up his phone calls, humiliating and threatening him.

For its activities, the collectors use social networks. By registering under false names, they come with the unsuspecting victim in conversation and make a date. At the meeting, they may be limited to receipt of repayment of debt, and unable to intimidate the man that he is unconditionally going to give a large debt.