Written request for payment or make a phone call or meet the person in debt (with his consent) or determine the address of the debtor, e.g. during conversations with his neighbors, if they provide him with such information. A written summons may become the basis for legal action by the creditor if the debtor avoids any contact.
Possibilities of a debt collector
If he does not achieve the intended effects, he may refer the case to court, which in turn may require the debtor to pay on the basis of an enforcement order (judgment, order for payment), which, once the court gives the enforcement clause, becomes an enforceable title. At this point – if all other methods of debt recovery have failed – the creditor has the right to transfer debt recovery to a bailiff. Bailiff – is often considered a negative, ruthless character, insensitive to human misfortune (more on this here. In fact, the bailiff is also a human. He does not care to plunge the debtor, but also seeks a way to solve the situation.
Cooperating with the bailiff
Avoid contact with him, as this will only worsen the situation. The possibilities of the bailiff are greater than that of the debt collector, but for each action he takes his salary. He can, inter alia, take all the movable property of the debtor, and if the debt is large enough, it can also take real estate. Other options include deduction from pay for work or attachment of claims from a bank account. However, if the debtor reasonably approaches the situation, he will present the bailiff his situation, supporting the words with reliable evidence, and will propose the amount of the monthly installment, which is in able to pay back – in most cases he will convince the bailiff and agree convenient repayment rules with him.
Therefore, it is best to look for debt repayment solutions as soon as possible without resorting to various tricks. It is good to try to do this already at the amicable stage. Along with the debt collector you can reach a compromise and find a method for debt relief, without fear of losing your property.
The case is different with the bailiff, but remember that you can reach an agreement with him. In fact, the bailiff has the right to seize the debtor’s property, but he will most likely not do it if the debtor presents him with a realistic debt repayment plan adequate to his current property status. It should also be remembered that the bailiff’s rights also have their limits – he cannot, among other things, take basic household equipment or study items (more on this subject here), and the amounts of deductions from remuneration are also strictly limited by law.