Lawyers collect arrears

Legal analysis: Telephone collection is one of the relatively low-cost and common ways to communicate customers' feelings at the same time. The advantage of telephone collection is that the professional requirements for the collection personnel are not high, as long as they are careful, patient and dedicated. Of course, there are some skills in telephone collection. First of all, make sure that the contact person is the person who is directly responsible, that is, the person who can make decisions, otherwise it will be futile to contact for a long time. The second is to grasp the right time and the right occasion to ensure that it will not refuse or leave a bad impression on the spot, which will affect the progress and motivation of the collection. Third, pay attention to the frequency of phone calls. Generally, it is necessary to confirm the specific time of the next contact on the phone. Contact at the time agreed by the customer will make the collection staff work rigorously and professionally, leaving the customer with the concept of company management norms. In addition, it should be noted that communication needs a supercilious attitude, not too humble, especially for those customers who admit that they owe money but have been shirking it for various reasons, they can directly tell their difficulties and the attitude that the enterprise will adopt, so as to achieve equal and free communication.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits the crime of credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.