The lawyer told Penza residents how to protect themselves from the pressure of collectors

Threats and intimidation from collectors can result in a real prison term of up to five years. This was reported by the lawyer Mikhail Salkin.

The expert explained that the visits of collectors to the debtor are allowed no more than once a week. At the same time, they cannot enter the apartment, inspect or describe the property without the consent of the tenants. For violation of these rules, legal entities face fines from 50 to 500 thousand rubles. If threats of violence, damage to things or the spread of defamatory lies are used, criminal liability comes. The punishment ranges from a fine of 300,000 to 500,000 to forced labor or a colony for up to five years.

Salkin advises to clarify the name of the organization and the grounds for claiming the debt. All contacts, be it calls, correspondence or visits, it is better to record on video or audio. If the collector tries to get into the house by force or threatens physical violence, you need to immediately call the police.

The lawyer also recalled the right to legally stop communicating with collectors four months after the occurrence of a delay. It is enough to submit an application. Collectors are obliged to stop calls, correspondence and visits within three working days, except in cases provided for by law. The debtor may at any time require communication only through a lawyer. At the same time, the debt itself does not disappear anywhere, and the creditor has the right to go to court. For illegal actions of collectors can also recover compensation for moral damage.