How can debtors protect themselves from debt collectors in Russia?

Nowadays, many people are faced with the problem of debts and debt collectors. At first glance, it may seem that debt collectors have the ability to do whatever they want with you. But this is far from true. There are a number of laws and regulations that protect debtors from unlawful actions of debt collectors. In this article, we will look at what steps you can take to protect yourself from debt collectors in Russia.

2. Check your debt

Before you pay debt collectors, make sure you actually owe money. Ask debt collectors for written information about the debt so you can verify the data yourself. If you have any doubts about the legality of the debt, contact the consumer protection authorities or the court.

2. Know your rights

Debtors in Russia are protected by law. For example, debt collectors do not have the right to call you after hours, threaten you or your loved ones, use deception to collect a debt, etc. If debt collectors violate your rights, you have the right to go to court.

3. File a complaint against debt collectors

If collectors violate your rights or act in violation of the law, depending on the type of violation of the law by the collectors, you can file a complaint against the collectors with law enforcement agencies, Roskomnadzor and other authorities

4. Settle your debt

If you have debts, try to negotiate with the creditor on a restructuring or deferment of payment. This can help avoid difficulties with debt collectors and resolve the problem in a more peaceful way.

Overall, if you are faced with a problem with debts and debt collectors, do not panic. Remember your rights, seek professional help, and act in accordance with the law. Proper awareness and actions can help you protect yourself from illegal actions of debt collectors and solve your debt problem without unnecessary losses.