The debt collection is an activity aimed at obtaining payment of a loan by a debtor, and when he refuses to honor the debt, and when it is in the condition of not being able to fulfill the obligation for their difficulties. This activity is aimed at companies, individuals and legal studies finding in the investigative agencies a valuable tool in obtaining information which are then transmitted to the client in order to proceed to recovery of the credit.

Debt collection: what information you collect?

Investigations aimed at the recovery of credits include collecting all relevant information to determine the asset status of a debtor then to consider how to proceed with collecting. The dense network of information that is found affecting all economic and financial life of the subject: from the track down, registrar for the address of residence and physical for notification actions, coming to finding telephone numbers and checks on wages, passing for securities and real estate properties ensuring the presence of any mortgages or other liens, investigative operations will then focus with particular interest in looking closely at the relationship between subject and bank and developing relationships of participation and corporate office facilities in Italian and / or ester.

In the case of a company operations also proceed to verify the identification of any other location, on advice of legal representatives and other associates to it.

Despite this rich and intricate set of checks and controls that can be performed by most of the investigating agencies enabled, it represents the circumstances in which the recovery action is still complex is not a rare thing. For this reason Phersei has devised a unique recovery model, and with a success rate close to 100%.

This matter was also pronounced the Guarantor of privacy with the publication “Policy and Debt – The rules for proper handling of personal data”. The Guarantor has established some rules to follow when carrying out an activity of credit recovery times to respect the dignity and privacy of the borrower. According to the findings of the Ombudsman are considered illegitimate: home visits or at the workplace; continuous telephone solicitations, pre-recorded phone calls made without the intervention of an operator, sending postcards outside bearing the word “debt” or default notices posted on the front door of the debtor, which may lead outsiders aware of the situation of the debtor’s default.

The investigative agencies with their wealth and commercial research activities represent the most reliable solution for finding and gathering information sometimes to the collection of a credit and thus to protect the interests of individuals and companies.