With the development of the economy and the continuous expansion of the financial market, the debt problem has become increasingly prominent. This is followed by the emergence of various collection routines, and some criminals take advantage of the debtor's predicament to take various means to defraud and threaten, which has brought great distress and losses to the debtor. Therefore, this article will introduce the types, harms and countermeasures of new collection routines, and remind debtors to be cautious and avoid falling into unnecessary trouble.
1. Types of new collection routines.
1.Impersonation of identity: Some criminals will impersonate lawyers, creditors or staff of relevant institutions to contact debtors through **, text messages or emails, claiming to be able to help debtors solve problems, but in fact they are trying to defraud them of personal information or money.
2.Malicious threats: Some collectors will use threats, intimidation and other means to put pressure on debtors to repay their debts as soon as possible. These threats often have no legal basis and are even suspected of violating the law.
3.Harassment and text messages: Some collectors will frequently call and text the debtor, which seriously interferes with the debtor's normal life and work.
4.Falsification of legal documents: Some criminals will forge legal documents such as court summonses and lawyer's letters to put pressure on debtors to repay their debts.
5.Unlawful detention: Some collectors will use illegal means to restrict the freedom of the debtor in order to achieve the purpose of debt collection.
Second, the harm of new collection routines.
1.Infringement of the legitimate rights and interests of the debtor: The new collection routines often involve illegal and irregular behaviors, such as malicious threats, harassment, forgery of legal documents, etc., which seriously infringe on the legitimate rights and interests of the debtor.
2.Affect the normal life and work of the debtor: The new collection routine will bring great psychological pressure and distress to the debtor, affect the normal life and work, and may even lead to depression, anxiety and other psychological problems.
3.Undermining social trust and financial order: New collection routines undermine social trust and financial order, providing opportunities for criminals and negatively impacting formal financial institutions.
3. How to deal with new collection routines.
1.Stay calm: In the face of collection routines, debtors should remain calm, do not be swayed by threats, intimidation and other means, and do not believe the lies of criminals.
2.Verify identity: In any case, verify the identity of the collector and the legitimacy of the agency represented. Verification can be carried out by calling the official ** of the relevant institution, inquiring about the lawyer's practice certificate, etc.
3.Protect personal information: Do not disclose personal information easily, especially sensitive information such as bank card numbers and passwords. Any request for personal information should be treated with caution.
4.Refuse illegal requests: Resolutely refuse illegal and illegal collection requests, such as malicious threats and harassment, and report to the police. At the same time, complaints can be reported to the relevant regulatory authorities.
5.Seek legal assistance: If you are facing a legal dispute or dilemma, you can seek legal assistance or seek advice from a professional lawyer. Resolving the debt problem through legal means is the most sensible option.
6.Establish credit awareness: Strengthen the cultivation and education of personal credit awareness to avoid excessive borrowing and default. Only by maintaining a good credit history can you avoid getting into unnecessary debt trouble.
7.Establish an emergency response mechanism: Develop plans and programs to deal with emergencies, and take timely measures to protect your rights and interests in the event of fraud or threats from criminals. It is possible to connect with family, friends, or relevant agencies to seek help and support in case of an emergency.
8.Learn to protect rights and supervise: Understand your rights and obligations, and learn to protect rights and supervise. You can report and complain to the relevant regulatory authorities about the collection behavior of criminals, and protect your legitimate rights and interests and social justice.
In short, in the face of new collection routines, debtors should maintain a calm, cautious and rational attitude. Protect their own rights and interests and social justice through measures such as strengthening the cultivation of personal credit awareness, establishing emergency response mechanisms, and learning to protect rights and supervision. At the same time, it is also necessary to call on the relevant regulatory authorities to strengthen supervision, crack down on the collection behavior of lawbreakers, and maintain the order and stability of the financial market.