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Do³±czy³: 25 Lut 2024
Posty: 1
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 Wys³any: Nie Lut 25, 2024 06:21 Temat postu: Understand how debt collection should be done |
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The creditor has full right to carry out any debt collection, whether by SMS, letter, WhatsApp or telephone, as long as it preserves the consumer's rights. That is, the company that owns the debt has the right to collect the debt through different means of communication. But none of these methods can put the debtor in a shameful situation. In other words, those responsible for billing must be aware that education, objectivity and the rules of the Consumer Protection Code (CDC) must be put into practice. Otherwise, instead of receiving what is due, the company may end up suffering a lawsuit from the customer who feels offended. How should debt collection be carried out? The objective is to receive the full amount owed. To achieve this, negotiations are made directly with the customer, facilitating the payment of the debt. However, negotiation is not the only way to receive the full amount. Other factors can and should be added to the conversation, such as clarity about the debt and the consequences of non-payment.
Remembering that the approach must never convey an aggressive connotation, contain disrespectful insinuations or be made in a threatening tone. It is worth noting that whoever makes the contact must pay full attention and care, as Asia Phone Number List this is an outstanding debt, in situations where the company has already performed the service or delivered the product. In these cases, not receiving this amount harms cash flow .Therefore, it is essential that the collection management team develops a plan, which must be followed according to the level of customer default. For example, there are forgetful customers, who usually pay off their debt a day or two late. For these, the ideal is to send a reminder informing about the debt one day before the due date. For those who are usually in arrears for months, the billing plan should be different, with daily warnings and calls during the week until payment is made.
In short, the sector responsible for collecting outstanding debts must study each debtor and know their payment method in order to prevent collections from turning into legal actions. After drawing up the ideal plan, the team must begin work within what is permitted, performing a correct service that brings good results for the company. What is allowed in debt collection? The creditor has the right to use means of communication such as: telephone calls , SMS, WhatsApp , emails and letters via post to remind the debtor. In addition to allowing contact through all these means, the company can also register the customer's name in a register of defaulters, such as SERASA and SPC, for example. By law, it is also possible to protest the debt at a notary's office, using documents such as promissory notes, purchase contracts or checks used by the debtor.
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