When debts appear, there are also problems. If we do not pay our liabilities in a timely manner, a bank or a loan company may refer the case to a debt collection agency, and then, if we do not settle the obligation, it can be sent to the bailiff.
We often meet with ignorance who the debt collector really is and who the bailiff is
These are not two identical occupations, because each of them has a specific area of activity and the rights that can be used. However, we do not associate both terms well.
When we have a debt that we do not pay back, the case usually goes to a debt collection company at the beginning. It is she who tries to persuade the debtor to return the money . However, if this fails, the bailiff may enter the game.
Who is the debt collector?
He is an employee of a debt collection company who is responsible for debt recovery through mediation with debtors. The debt collector is not a debt collector – he has no powers and can not do bailiffs’ activities. His main task is to persuade the debtor to pay the debt. The debt collector informs us about what will happen when we do not pay the debt, it can help us to spread it into installments that will be easy for us to repay.
Debt collectors can operate only in the designated area – they can send letters, they can call the debtor, they can even visit him at work or in the place of residence, but we do not have to let them in. When the debt collector comes to us regularly and disturbs the home, we can report it to the police. Also, the debt collector can not intimidate us and try to take us property – there is no right to do so.
Who is the bailiff?
The bailiff is a public official who deals with enforced enforcement of court decisions. He already has the right to seize the debtor’s property, for example he can take out debt from our bank account, he can take up movable or immovable property. Bailiffs can also enter our house assisted by the police.
For his work the bailiff also gets the appropriate remuneration, which is generally borne by the debtor. Of course, the amount of debt is also increased by court costs . Therefore, the bailiff will take more than the initial amount of debt. We also do not have the opportunity to get along, as is the case with the debt collector.
So, what’s worse?
By far the worst of these two is the bailiff. This is the last resort when our case goes to the debt collector who has the right to enforce the debt from us in the way the creditor so requests. Most often these are money from a bank account or regularly charged from our salary, but it can also be a car or a TV set.
With the debt collector, we can settle and, therefore, pay off the debt in a convenient way for us. Therefore, as debtors, we should end our problems at this stage. Escaping from debt collectors, not collecting calls and letters does not lead to anything good, because then the case is directed to the court, and there, when the sentence is passed and the enforcement clause will be issued, the bailiff begins to act.