After so many years of collection management, I came to the conclusion that charging more depends only on the collector and for this reason was the reason for an article that I wrote precisely with that title and based on its content.
But to achieve this, the collector must overcome his fears, also the reason for another letter, and feel the power that this noble and attractive profession gives him.
And when I say "the power of the collector" they look at me strangely and several say "you're wrong, the debtor dominates us because he pays when he wants". In reality it is true that it is the debtor who chooses to pay or not and if he decides to pay, he is the one who establishes how much and when, but it is also a reality that it is the collector who with his presence, personality, persuasion techniques, arguments, etc pushes that decision and makes the debtor decide to pay and earlier than planned.
This is obtained by "feeling" the power of having a debtor in our management. Having a debtor at our mercy, having the power to manage their near future, having the power to say YES to an offer received or say NO and continue actions. And the debtor must perceive it too.
Do you understand me? In fact, although the debtor chooses to pay, the collector chooses to accept or not the offer. And that means having power.
Also the creditor, when he does not receive offers or simply receives indifference or disinterest from the debtor, it is common for him to be irritated, to shrink, to feel disoriented about how to get ahead.
No collectors friends! It is the debtor who has to be disoriented and concerned, not us. And it is professionally taking the steps of collection and the formulation of the correct arguments when the debtor is motivated to improve the supply conditions.
For what reason can a collector shrink? I do not get it. The damage that it could do to the debtor is unlimited and it does not do it for different commercial, human and social reasons, but it has the power to do it, it has it.
As? Tell me if a collector cannot garnish the wages of a debtor in a relationship of dependency, or a truck of a monotributista. And it does not do it if it is not strictly necessary.
Tell me if a collector cannot visit or contact the clients of an entrepreneur, or his close relationships asking about him, because he has a significant debt to his provider and shows no signs of life. And he does not do it unless he has no other choice.
Imagine a debt collector who contacts the debtor's boss and tells him about debts and about his dishonest behavior because he made commitments that he doesn't keep, even in his own job, where clients and coworkers listen. And it does not do it with few exceptions.
Think of a debt collector who contacts the teacher of the debtor's children to put him in the communications notebook "communicate with us for the outstanding debt of…. which he does not assume." And it refrains from doing so, unless it is forced by the circumstances.
In short, you can go to the Bank where that company has an account to notify you of your situation so that the Corporate card or the current account overdraft line is not renewed, you can inform Veraz of the unpaid debt and other reporting agencies, it can harm you, a lot of image and commercial damage so that nobody sells you if you do not pay off the debt with us. You can list other real estate, vehicles and even furniture. You can get the dictation of a general property inhibition. But many times it does not do it because destroying a client-debtor can come back as a boomerang, but what can we do, I have no doubts, if we both "lose" it is another problem, but the power of destruction we have and we do not exercise it.
Surely, I repeat, for several reasons it is not convenient to use that power to harm the debtor, but that we could do it is an essential perception for the collector to acquire the necessary security in all negotiations with a debtor.
So, let's be clear, the power belongs to the collector -not the debtor- and he does not exercise it, "he spares his life" because it is the convenience of the creditor, but he could do it.
To not shrink friends / collectors and get the best deal with personal security intact !!
Until next time.
