If someone comes to the door to collect debts violently, what should the parties do?

I have been engaged in the loan collection industry for two years. Generally, electricity is used for collection first, and only when electricity collection is ineffective will it be collected locally. Now, people who come to the door are familiar with the law, and the means they take are usually to negotiate at home and put pressure on you to repay the loan voluntarily, because you may also repay the interest together. If the negotiation is not good, you will take measures. Don't worry, there is no violent collection now. Generally, soft violence stays at your door, no more than two people, and never enters the door.

People are not afraid of you calling the police at all. Sometimes we will take the initiative to call the police station to negotiate a solution, because we are here to collect money. People who owe money are generally guilty of calling relatives, friends or the public to stop paying their debts. I also met a debtor whose relative was a policeman and called two policemen to stop the debt. As soon as the debtors came over, they felt emboldened, shouting that they were usurers and violently collecting a bunch of hats from our heads. We also countered with words and deeds that "the police protect citizens' rights and interests and he doesn't pay our debts." This is the right of our citizens. We called his house to meet the police. This is his civil right. We are absolutely legal and cannot be collected by violence. " Don't worry, now the country is cracking down on violent collection, and it is also cracking down on Lao Lai. If you find the police, you don't have to pay back the money. The police don't protect Lao Lai. When will the country focus on eliminating evil, not only the evil forces in society, but also some corrupt and evil forces in the public security law. "

If we go to the police station, we will only ask for the return of legitimate principal and interest, so the police station can't do anything about us. It will only allow us to settle disputes through private consultations or court proceedings. Every police station has a dispute coordination room. If the coordination is not good, let's solve it ourselves. We'll keep coming, even if you call the police again. The police will ask both parties to settle it privately or bring a lawsuit to the court. If they have been there two or three times, they will be very angry and scold you and us. We will keep putting pressure on you.

If the debtor calls someone from the society, we will never do it. If you do, we are also alone, and directly ask the company's legal department to go to the local police station to detain our company's personnel on the grounds that it is suspected of pestering local people to gather for a ten-day sexual struggle. It takes at least three months from detention to trial.

In life, we often encounter debt collection at home, but most creditors will not go too far, because if the relationship is stiff, it will be more difficult to get the money back So sometimes creditors are angry, but they can only tolerate each other again and again in order to maintain the relationship.

It is natural to pay back debts, but some people can't bear it because of bad faith or malicious breach of contract, and finally staged a drama of violent debt collection. As a debtor, what can I do to make this scene a smooth curtain call?

First of all, it is necessary to make clear whether this debt is yours. If it doesn't belong to you, but the creditor mistakenly thinks you are the debtor, then you should make a clear explanation to the creditor and don't let him be misunderstood all the time. If you can't explain clearly to him, or he doesn't trust you, then you should prove your innocence by legal means.

If you are the real debtor, since the creditor has used violent means to collect debts from you, it shows that he is calm and has not moved you, so he is forced to use this strategy. In other words, you break your promise or maliciously default on the loan, which will lead to violent debt collection by creditors. In this matter, you are at fault first.

Although it is your problem, as a creditor, you can't break the law. According to the Criminal Law, anyone who intentionally harms another person's body shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance. Whoever illegally intrudes into another person's house or refuses the owner's request to leave the house shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention. Therefore, when someone wants to collect debts through violence, it is best to stay at home and then call the police in time to let the police handle the matter afterwards. However, if the debt collector has broken into his home, we should take appropriate measures to stabilize the debt collector and avoid provoking him and causing personal injury. If the debt collector tries to hurt your health, then when there is no chance of winning, choose to run away instead of confronting him, because your resistance will anger the debt collector and make the situation worse.

As a debtor, it is wrong for you not to perform your debts. So the first thing you need to do is to find a way to repay your debts, but you can't lose your principles and use illegal means to get money because of creditors' debt collection. This will only put you in jail. Of course, you can't use violence against debt collectors, because if you hurt their health, you will be punished by law. In the face of violent debt collection, we should analyze the current situation and deal with it calmly. If we are impulsive, it will only make things worse, and in the end, the loss will outweigh the gain.

In fact, as a debtor, you should evaluate your creditors and yourself before borrowing money from others or getting into debt. If you can't repay it, don't borrow money. But if it has reached the point of old violent debt collection, it can only protect its legitimate rights and interests through legal means.

In case of violent collection, don't be afraid to let the other party catch your heart and correctly safeguard your legitimate rights and interests.

1. We have the right to let collectors break into houses. At this time, we can call the police and ask the other party to leave our residence. In this process, evidence can be obtained through video, and if the other party commits illegal acts, it can be handed over to the police as evidence.

2. If the other party splashes paint, it is recommended to install a camera in front of your house. Otherwise, this kind of thing can't catch people, even if it is called the police, it will be difficult to catch people, and it will have no effect in the end.

3. There is also the collection of soft violence, all kinds of explosive phone tables, all kinds of coquetry and so on. This is really unbearable. However, since you choose to borrow this kind of money, you must be prepared to be harassed if you can't find change.

Now, the state has intensified its crackdown on illegal acts such as "routine loans", which are likely to breed black social crimes such as illegal detention and intentional injury. Don't think about it in this case, just report it directly.

Now the law stipulates that if the other party is considered as a lender, the court will consider the contract invalid, and we only need to repay the other party's principal without paying high interest.

The most important thing is, after all, you borrowed money from the other party, and the principal and legitimate interest of others have to be paid back. If you don't want to be urged to pay your debts, you'd better take a formal loan.

First of all, it must be clear that violent collection is illegal! Don't indulge the growth of these evil forces just because you are in debt! If you encounter violent debt collection at home, you must protect yourself by legal means in time:

1. If you don't want the other party to enter the house, just refuse, and call the police directly if you encounter forced entry. If you encounter violent means, please defend yourself properly and protect the personal safety of yourself and your family.

2. Paint, post posters, etc. It is also handled directly by the police, which is an act of disturbing social order.

In the final analysis, it is a word. As long as you don't mean to be lazy, you should communicate and negotiate well even if you are in debt. However, in case of violent collection, for their own safety, they choose to call the police at the first time, and those who cause serious consequences can sue for compensation.

A society ruled by law will not condone those who openly violate the law and discipline! Have confidence in our police uncle!

first

Is it that the debt collector illegally collects "usury" or that you owe money and promise to repay it when it is due, but you delay or directly evade the other party for various reasons, which leads to the other party's unbearable direct door-to-door debt collection?

Second point

If it is illegal to collect "usury", remember not to provoke the other party (if the other party is beaten, be sure to let him go while protecting the important parts and pretend that his relatives and friends have already sent money). At the same time, when the other party is not paying attention, call the police directly and ask the police for help. Because these "loan sharks" will never let you go easily, they must "do whatever it takes" to intimidate you into submission, demand more "interest" and even take violent beatings, so when you meet these people, don't be lucky or worry about retaliation, you must call the police decisively.

If you don't pay back the money you owe, and the other person is forced to come to the door in person or arrange for someone to come to ask for it, then even if the other person is rude (of course, if there is a beating, you must first protect yourself and ask the police for help if necessary. If you break something, you should let him go first. Never "cheat" or decide "larger foe". After all, you are on the wrong side. Even if people can't get the money for the time being, they can sue in court. At that time, you will have only two choices: pay back the money or go to jail. Of course, if you don't care about going to jail and swear to "cheat" to the end, then you can do it yourself.

Finally, remember to protect yourself first!

Seeing this problem, I suddenly feel that the sentence "Uncle is in debt now" is quite reasonable.

If you are a normal buyer and seller, you accidentally borrowed usury because of the cash flow problem of your business, and it happened that your business didn't improve and was urged to collect it. In this case, I still suggest that you raise money to repay as soon as possible. If it's gambling debt, it doesn't matter if it's not paid. The law does not protect "gambling debts", but it depends on your courage.

Many people don't know about violent collection. I can tell you responsibly that these debt collectors have a lot of legal literacy now. They know when it is illegal and when it is a crime. I guess they called the police before you called the police and told them that you had an economic dispute. In this case, it is difficult for the police to accept.

If violence harms personal safety, and it is in your home, I suggest you defend yourself appropriately, as long as it does not exceed the necessary limit. Interested parties can check the case of "Yu Huan".

The code word is not easy, please pay attention, thank you!

The peak of domestic violent debt collection should be in the 1990s.

Previously, such debt collection companies only served the people.

In 1990s, due to deregulation and illegal operation of banks, a large number of sluggish non-performing loans were formed.

It has caused huge losses to the economies of developing countries, and the bad debt rate has been rising.

The state ordered financial supervision and tightened monetary policy.

At this time, a new post appeared in the banking industry: responsibility collection.

That is, who can't get back the loan that is not in compliance with the regulations, who is responsible for the collection, and it is linked to personal salary.

At the same time, a new department was established: Non-performing Assets Management Department. Responsible for the collection of overdue and sluggish bad debts within the jurisdiction.

During this period, bank loans formed non-performing loans, many of which were man-made, and many borrowers also came for the bank's money and had no idea of repaying the loans at all.

At that time, the loan interest rate was ridiculously high, and some reached 3-4 points.

With such a high interest rate, unless you win the lottery, who can afford such usury?

Because the lender is in this state of mind, can you still let him collect the loan?

This is definitely a business of "the meat steamed stuffed bun hits the dog with no return".

If public officials want to be polite, emotional and publicize policies, it is really casting pearls before swine.

It is an obligation to receive you, and it is reasonable to treat you as an enemy.

Because, this group of people think that after receiving your money, the money will be his "surname" and "the child has been given away", and there is no reason to ask for it again.

If you are not great, it is fun to hit you mercilessly and unintentionally!

The civilized debt collection of public officials is obviously not effective, which has given birth to another industry: debt collection companies.

This kind of company must use efficient and fast means to realize the payment, in order to obtain short, flat and fast profits.

As you can imagine, their methods can't be gentle, mostly simple and rude.

Every time they take a business, they have to make a deal. They should also pay attention to the reputation of the industry and pursue a good reputation. Otherwise, where does the business come from?

Violent debt collection scares debtors.

It is natural to pay back debts. Consciously pay off debts and keep safe.

Since you owe money to others, for whatever reason, if you can't return it on time, you should take the initiative to communicate, reach an understanding and avoid the risks of both sides.

Borrowers, don't take any chances. If you don't pay back the money, some people even say in a high-profile way: If you don't want the money, you will die.

If someone really wants their money back and takes violent collection, it's hard to say. In a hurry, he will really kill you or your health.

First, try not to open the door.

Whenever someone knocks at the door, try to find out the origin of the other person before opening the door. This is the guarantee of all safety.

The second is to call the police at an appropriate time.

Debt collection companies are basically in a gray area in China, and violent debt collection is not allowed by law. The law still has a deterrent effect on them

Third, if it is unavoidable, we should try our best to exercise restraint, avoid language and physical conflicts, and choose opportunities to seek help and call the police.

Peace is a blessing, money is a thing apart, and it is better to pay back the money.

As long as you live healthily, why worry about earning a few debts!

I wish everyone in the world happiness and well-being!

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1. "Violent debt collection" is illegal because of violence. If the violence is minor, it will be punished by public security administration, otherwise it will constitute a crime.

2. The way of debt collection should be on the legal track. No matter whether the debt is legal or not, the illegal way is also illegal (generally illegal crime).

3. Illegal debts such as gambling debts, drug money and whoring money are not protected and supported by law.

Generally speaking, violent debt collection may be related to criminal acts such as illegal detention, kidnapping, extortion, intentional injury or murder, illegal possession of guns and ammunition, illegal intrusion into houses, intentional destruction of property, etc.

5. If you encounter illegal debt collection, you can call the police, lock the criminal behavior and fix the evidence. If it constitutes a crime, the public security organ will investigate the criminal responsibility of the perpetrator in accordance with legal procedures. A private prosecution case that is not a public prosecution case may bring a criminal private prosecution to the court. In an emergency, you can defend yourself or defend yourself properly, and legal protection supports self-help (within a certain range) to protect your legitimate personal and property interests.

6. If you borrow money, the maximum interest protected by law is 24%, 24 ~ 36% is natural debt (whether it is repaid voluntarily or not), and more than 36% is illegal and not protected by law.

7. Disputes can be settled through various channels. Negotiation, mediation, mediation, arbitration or litigation. Illegal debt collection will be punished by law.