A lot of people assume that ignoring phone calls and letters is enough to avoid paying a debt, but debtors can only do that for so long. With face-to-face debt collection, avoiding debts instantly becomes a lot more difficult.
What is Face-to-Face Debt Collection?
A lot of businesses and individuals understand the concept of debt collection, but face-to-face debt collection seems to bring with it a number of questions. There is a common misconception that collecting debts in person is complex and ineffective, but that couldn’t be further from the truth. It’s actually a relatively straightforward and simple way of collecting outstanding debts, especially if you utilise the services of debt collecting professionals.
Face-to-face debt collection involves visiting the debtor unannounced, in an attempt to collect unpaid debts. There is an element of surprise with this form of debt collection, and catching debtors off guard makes it harder for them to hide.
Whereas it’s easy to ignore phone calls and emails from someone chasing a payment, this isn’t the case with face-to-face debt collection. When someone is standing at your front door demanding a payment, pushing things under the carpet is no longer an option.
What is a Debt Collector Allowed to Do?
Many people make the mistake of assuming that there’s nothing a debt collector can do, that their powers are somewhat limited, but that is not the case. There is actually quite a lot a debt collection expert can do in an attempt to claim repayment of a debt.
If someone is refusing to pay a debt, you can enlist the help of a debt collector to claim it on your behalf. They can then show up at the debtors home and request payment themselves, a technique which is often more effective than simply sending a letter or email. Debt collectors are also able to add interest to a debt and apply for a CCJ, which saves you the inconvenience of doing so yourself.
What is a Debt Collector Not Allowed to Do?
Though there is a lot that a debt collector can do when chasing a debt, there are certain things that are out of the question. For example, a face-to-face debt collector is not allowed to harass debtors or breach data laws.
A debt collector is also not allowed to lie to a debtor or misrepresent themselves in any way. For example, they are not allowed to send a letter that looks like a court order in an attempt to scare the debtor into paying.
At Cobra Financial Solutions, we know the ins and outs of face-to-face debt collecting. We have what it takes to successfully chase and recover debts, even from the more difficult debtors. To find out more about any of our debt collection services, get in touch with our talented team or give us a call on 0151 526 4222.
