Did someone really get called home? Can you tell me what happened?

I received many collection calls and was really visited once. Suddenly received a strange phone call. Actually, I knew it was a collection when I saw the number. Surprisingly, after I connected the phone and asked if it was me, I said they belonged to a bank. Let me go home quickly and tell me that they have gone downstairs. All kinds of panic, but I forced myself to calm down. I told them on the phone that they would go home soon. Now that we're here, we have to bite the bullet. Back to the community downstairs, I called back and asked where they were. In fact, at that time, I hoped they were scaring me again. Disappointment is often greater than hope. Soon we will meet face to face. The other two people, my wife and I, with our two-year-old son, are extremely nervous at this time. I pretended to be calm during the interview. Ready to take them home to talk about things. 1 minute walk from the door of the community to the door of the unit. Just arrived at the door of the unit, tentatively asked if you had any documents to prove the collection. After asking, they stopped and said, don't go home. I'll arrange for my wife to go upstairs and wait at home at once. Then he said to the two people who received the money, let's talk at the door. Then I was lazy in the next conversation, and the content was similar to that on the collection phone. Understand the basic situation, deal with it first, and then sue if you can't handle it. Finally, because one of my actions was to take out my mobile phone and look around casually, it was at this time that I felt that they ended the conversation ahead of schedule. Even before a bridge was finished on the phone, they said they were leaving. Then say go and go directly to the door of the community. At this time, I didn't know what possessed me, so I forced them to stay and said after them, don't hurry to leave. When they came, they went upstairs and went home to drink some water, and left without saying a word. Finally, I also gave them a sentence "Go slow and don't send".

There is another small detail. They said they just knocked on your door and left a note on it. I thought a lot at that time. Could it be a notice of arrears? I am playing drums in my heart. When I got home, I asked my wife what message they had left on the door. My wife said that's it. I picked up a post-it note with the handwriting like a dog crawling on it and a mobile phone number to call back as soon as possible. That's all. Suddenly my heart was completely calm.

The above is the door-to-door collection I just experienced a week ago. Finally, I shared that door-to-door collection should be a surprise attack. I won't make an appointment with you by phone in advance. Because they will think that you will run away, causing them to come for nothing. What I want to share with you is not avoiding phone calls or other collection methods. Positive response. The enemy will block you, and the water can cover you. Unless you are willing to pay back the money. The most important thing is that the overdue time of about one year has made me experience various collections, and the early stage was really a variety of collapses. Later, I felt that I could actually experience my personal stress resistance by answering the collection phone. And the effect is amazing! Now I feel that as long as I am alive, I will not default on my bank account. Although personal credit information has been messed up. I always believe that as long as people don't die, there is a future!

I hope my experience can help you. I wish all those who are in debt can go ashore as soon as possible!

In fact, it is not the collection of usury, and we need not be afraid at all. Banks and some formal online loans, their collection is very formal.

Or they will use it informally on the internet, which is beneficial to bombing short messages and looking up people's address books. The purpose of disturbing you is to give you pressure.

But if they come to you, they won't mess around, because as long as you call the police, they will suffer. Now the country is cracking down on violent collection. As long as there is a little violent collection, a dozen 1 10, then the bank will terminate their collection cooperation first. Aren't they the ones who suffer?

The purpose of these calls is to understand your life. As long as you tell him your situation and willingness to repay, he will leave in half an hour.

Of course, did he reply to the bank about your situation and wishes? Personally, I think the chances are very low. As far as collection is concerned, his aim is to receive as much payment as possible. He won't even contact you directly if you can't get your money back through the door-to-door assessment. Give this matter directly to the bank as an unsuccessful dunning, otherwise the bank will award your case to another dunning company in 2~3 months, and you may face a second phone call or visit.

So in fact, it's not too terrible to accept them, unless you really can't afford to pay back the money, which is indeed the case. He said you would have time to see him when you got to the door. It's nothing serious.

Small loan, twice collection, because I was afraid that my neighbors would not like it, I let them in. There was no video and I didn't verify my identity because they were quite polite. Is it bad to say that they went in? Then some people talked a lot, and I was better than them. They also showed me their mobile phones, saying that they turned off at 8 pm on time and dialed hidden numbers. I don't know the telephone number. I also said that there was a man in our community who owed 1 10,000 yuan. He didn't even open the door [covering his face] and told them to roll [covering his face], feeling a little sorry for them. . . Anyway, I have no money to pay it back, so I can't help it.

Yes, I have online loans and credit cards. The attitude of credit card is good. Online loans are not very good, but they all come directly without prior notice. Companies that go directly to online loans and credit cards come to my home all of a sudden. Although I thought I couldn't control it after the time limit, I always thought I would say it in advance, but I didn't.

Let's start with credit cards. At about 7 o'clock in the evening, three people came to my house. They didn't contact me. They directly contacted the village Committee and said that there was a courier from me. They need to deliver it to my house, and then they come directly. As soon as they met, they took out their papers and told me whose family it was, and then asked me where it was appropriate to talk. Later, we chatted in a quiet place on the street for about 20 minutes and asked me about the situation and how long it was overdue. I answered everything, telling the truth, and then they said it was understandable, but they still had to deal with it. They said that they could reduce all the penalty interest and liquidated damages, and then divide them into 60 installments with interest of about 3%. This cannot be reduced. Ask me if I can. I told the other party that my income is low, a little overdue, and then I can't afford it at all, but they don't care about you, just look at your income, and then I can afford it every month. Finally, give me the result and reply within two days. Whether they accept it or not, they will have other processes. I just said I don't have to wait. I can't accept it. They recorded the whole process, took photos and it was over. The process was smooth and there was no conflict! Later, he contacted me and wanted to come to my house. I refused. There is a record that he came to my house, so there is no need. He said it was his job, but I was not responsible. He just said it caused trouble. If I come to my home without permission, I will also protect my rights and interests. I don't know if the follow-up will come!

There is too much internet. I knocked on the door of the company, looked for me, and then I read out loud who it was. Everyone in the company heard it, but there was no document. Three women and a man came to talk outside the office building. I complained about why you did it, but I didn't explain it. Just want me to say that I didn't do it, didn't pay it back, and didn't believe that I had no money. I told him how much debt he had and how much he was overdue, and asked my family if they knew. I can't help. How? I don't believe what I said at all. I also asked my family to call my mother to ask about me. Later, I asked more and more. I always said I didn't care about this situation. I thought it was too much, so I just hung up. Later, the other party kept refuting me and questioning me. I said that in this case, I have nothing to say. You all recorded it. Direct feedback, break up in discord. Afterwards, I felt that talking with them was a complete waste of time. Maybe it's his first time at home, so I'm a little nervous! It turned out later that they were just collecting money. In fact, this is illegal!

Door-to-door, generally speaking, is to verify the situation and confirm it. If you have a good attitude, you can talk about it. If you have a bad attitude, you don't have to say much, but the premise is to confirm your own documents, who to entrust, and whether there are any entrustment documents, because most people panic when they come to the door, including me, and completely forget to confirm these. What they said should also be considered clearly in the reply. Don't talk nonsense, they will mislead you, but eat more snacks and don't ignore them emotionally. So don't worry too much, just tell the truth and don't hide it. As for the result after meeting, it is beyond our control. Let's talk about it then!

I tried to visit them. I asked them to stand at the door and show their ID cards and work permits. They always wanted to come in and say, I refused, saying that I refused to communicate with them without these documents. Later, I said that I called the police and went to the police station with them, and they left.

It's my pleasure to answer your question. Share your real home experience.

2020 is the year when my partner and I have completely overdue credit cards. I use all my clients' credit cards. All the collection calls were transferred to my mobile phone. The longest overdue time is more than 300 days. The average number of collection calls per day is 10 to 20. I used to be there. Later, I couldn't bear it anymore, so I simply stopped answering it. It's basically a third-party collection, and it's useless to negotiate with them. All this is to force you to return as much as possible before what time. Listening too much will make you numb. It's not that I don't want to return it. There have been too many changes at home this year, and all kinds of debts really can't be handled. When it is about 90 days overdue, the reminder letter is sent to the village Committee of the place of residence and hometown. The whole village basically knows that I owe a lot of money to the bank. However, nobody said anything about me. Everyone knows that my parents went to see a doctor in recent years, leaving a lot of famine. At the end of the year, my client CITIC Outsourcing came to your door. I wasn't at home then. The two great men learned about our present situation and left. Leave a phone number and ask me to call back in a couple of days to negotiate, or I will come to the door.

In fact, for loans from banks and formal institutions, don't be afraid of being nervous, just cooperate with them to investigate. It's just that they deliberately don't return it, and eventually they will come up with a plan to negotiate.

If you borrow online usury, don't be afraid, just call the police directly. It is estimated that this kind of usury has already exploded your address book in the early stage.

I am most worried about borrowing usury from the local offline, which is more troublesome. Although they dare not commit blatant violence now, they still do great harm to us. They live in fear every day and hurt their families.

Finally, I wish you an early landing. 202 1, come on.

Any credit card, online loan or small loan is overdue, and there are cases of door-to-door collection, but not everyone will be called. They will screen some overdue customers for home collection. First of all, they are very afraid of making phone calls. When it comes to the door, on the one hand, the debtor can't get the money, on the other hand, it needs the debtor to give time. After a day or two, the debtor still fails to repay, or is unable to repay the full amount. This is the case.

Now the door-to-door collection is different from before. They dare not stay overnight or put up leaflets. These are classified as violent collections. Once these acts occur, they need to bear criminal responsibility. Now the door-to-door collection is to remind repayment, but these people will also look at people, and some are honest. Instead, they will take some threatening ways and speak in an unfriendly tone. If the family members are also out-and-out rural people, then these door-to-door collectors will exaggerate the debts and put pressure on your family so that they will not be kind to your parents because they are old, because they make a living by their performance, and they will have no performance and no salary unless they are urged to pay back the debts. However, when you work in any company, so does the collection company. You must abide by all kinds of rules. Once you violate the company's regulations, you will be dismissed, punished and confiscated. Therefore, they will see people coming to collect money. People who know how to defend their rights don't do that. Don't make a fuss, make it clear that there is no need to quarrel with them. As long as you are not timid, their main duty is to remind you to repay. They have no right to restrict your freedom, and they will not put themselves in prison to get a salary. The landlord need not worry too much. Moreover, most of the collection calls say that they will come to the door for collection, and now they will tell the fake things as real. Don't pay too much attention to what they say, think carefully. You won't pay back the money because you are not afraid, but because you are not afraid now and you don't hide. The collection will always be replaced. If you don't repay it, it won't be a collection. There must be a collection later, and they will come to the door to collect it. They collect it every day, but it's not true. There are many door-to-door credit cards. As long as someone comes to collect money, you tell them your difficulties and let them go. Even if they don't go, they can't set foot in their own homes and make good recordings and videos, and they won't embarrass you.

I'm Xiao Tao. I personally wrote many articles about overdue debts. The landlord can read them and hope to help the landlord. Thank you!

I met an online loan and found it! Two men, just like those gangsters, bald! Bring me the so-called power of attorney! I just closed the door immediately and called 1 10 immediately! When I called the police, the two men left swearing! After analysis, I think I found my address through the information of my broadband service. Don't be afraid to collect, just call 1 10! Let's say violent collection

I've seen violent collections.

A group of them didn't smash the door or the glass. They just took a bucket of paint and smashed it on the door.

Then a group of people stayed at the door for about a week.

The family probably knew that they were indefensible and didn't call the police, and the neighbors didn't call the police for fear of trouble.

The money collector doesn't do anything special, just stay at the door after splashing paint.

In this way, people in the house will be more miserable, because they can't go out and people outside the door don't do anything special.

This is probably the most violent collection I have ever seen.

You may be a little scared at first, but you will get used to it later. People who come to the door are much more civilized than those who call to collect money. Usually I just tell you the consequences, give you a few days to retire and then leave.

A friend of mine who does collection said that they also have the task of expatriates, and how many homes do they have to run every day? To put it bluntly, I don't have much time to chat with you. What should I do if you still don't respond to me? Change it to another one.

They will say that they will jointly sue you, let you go to the bank to negotiate with them, and even threaten to bring the police to you. Listen if you have no money.

Joint prosecution is not impossible, but you are a piece of fat, let's fight together. Who will go first? So they are generally reluctant to share with others;

Go to the bank to negotiate. What can we talk about without money?

The police came to see you? The police are not his employees, how can they do whatever they want?

My personal suggestion is that if there is a property under my name, it is better to sell it as soon as possible to pay off the debt than to sue for auction; If you have nothing to worry about, you might as well think about how to make money.

Some people worry that interest rates will rise to uncertainty. In fact, they still don't understand human psychology.

If the principal is not paid, the interest will rise to 100 million. What does it have to do with you? Just a string of numbers.

But for the other party, when the interest is hopeless and you are being collected by many parties, it is natural to recover a little. Because I don't know your background in the early stage, I will definitely storm. After a long time, we can only compromise. Something is better than nothing.

Therefore, coming to the door means that the other party has to go through a process of putting pressure on you. You don't have to say anything if you have money. It's no use saying anything without money. Talk to them when you have money.