Banks and microfinance organizations are entering our lives ever closer. Some families do not imagine life without permanent loans and installments.
What if there is nothing to pay? In this case, you can’t avoid litigation and meetings with bailiffs – they can freeze accounts, withdraw real estate and sell your belongings. What facts about bailiffs are true, and what – outright lies?
The bailiff is entitled to spoil the vacation abroad and withdraw part of the property.
Alas, there are fewer and less conscientious borrowers among the population and the debt of the population is increasing. Of course, banking organizations do not like it when their money is lost, and if they themselves cannot influence the debtor, send a statement to the court.
Then bailiffs are sent to work with them and collect debts . Their duty is to search for your property, bank accounts, vehicles and everything that you can realize and pay debts to creditors, return the money back to the bank. Bailiffs are state executive employees, their actions are regulated by law.
Today, many debtors are trying to deceive them and spend around their fingers in order to preserve at least some of the acquired property: for example, they are investing savings in investment life insurance . Perhaps due to such deceptive schemes and gossip, erroneous statements about the work and powers of bailiffs are being circulated.
For many people, life without a car is a bad dream. To hurt the feelings of such motorists, the myth is spreading that for an unpaid loan you can say goodbye to the rights and the car. In fact this is not true. Indeed, the seizure of rights is within the competence of bailiffs, but entirely for other debts and fines.
In addition to knocking out the debts of unscrupulous borrowers of banks and MFIs, bailiffs are engaged in other court decisions – monitoring the payment of alimony, traffic police fines and other monetary penalties. The practice of seizing a driver’s license is one of the extreme measures of influence on the offender. With the accumulation of debt obligations of more than 10 000 rubles, and a direct refusal to pay the fine, the bailiff can send an appeal to the traffic police with a request to restrict the debtor in driving.
But bailiffs are powerless in situations where the car is vital. For example, if the debtor is a driver or courier and cannot fully work without a vehicle. Also, they can not restrict the management of transport, if it is used to transport people with disabilities. If you have such a case – you can write a complaint about the work of bailiffs.
Some borrowers believe that when you make any loan or loan with a free life, you can say goodbye. In part, this is so – now there are regular obligations that need to be fulfilled, it is necessary to plan a budget in time to repay a loan or loan payment. But no one can restrict a person in moving – we have already experienced the time of the Soviet Iron Curtain and no one can forbid going abroad.
Therefore, we hasten to rejoice that if you have a loan or a loan, and with timely repayments, you will be able to freely leave the borders of the country and take a vacation in warm countries. But if you have any arrears in a loan or a loan, it is better to check yourself in the list of restricted to leave abroad – that is, in the list of persons for whom an executive legal case can be initiated. Of course, if you are late with the payment for only a couple of days – no one will apply to the court yet, but if the payment deadline has passed a couple of months ago – you may not be let go abroad for debts . The list of debtors is published on the official website of the FSSP and is publicly available to all users.
You can only be banned from leaving the country through the courts. Not every bank or microcredit organization goes to court because of a month of delay. It is more likely that, for a start, they will call you several times a day and insist on asking you to pay all your debts. Therefore, to obtain such a ban and learn about it just before check-in at the airport is unlikely.
Of course, as in the case of a driver’s license, you can get a ban not only for debts to financial organizations, but also for traffic police fines, overdue alimony and fines for paying utility bills. Also, a large role is played by the amount of debt – if it exceeds 10,000 rubles, then a ban on leaving Russia’s borders is quite likely.