How to deal with bailiffs
A Life / / December 19, 2019
Alexander Konchenko
Marketer, managing partner of the agency ACMEdigital, creator Telegram-channel "reverse millionaire».
One day I was called by a friend: "I lost the court to the bank. What will happen now? I have everything taken away, "And it's true - to communicate with police officers never taught. This is the reason for writing this article.
You might owe on the loan and bring the case to court. Evade child support, a long time to pay for housing and communal services. Principle One - you have to. There was a trial, you lost it. It began collecting - enforcement. And then there are these guys.
Bailiffs - are people just like everyone else, with weaknesses. Get a little power, they revel in her heart's content. But there are ways to alleviate the situation.
Tip 1. Dispose of property
Bailiffs immediately suss that can be quickly written off. Sell the car. Give share apartment. Proceeds to give parents - after all, you owe him a life, why not. Distribute the money from the accounts. It's all arrested in the first place.
They have no right to take away:
- household items: clothes, shoes and food. A clear list of do not, so the bailiff can describe the washing machine and dishwasher as a luxury. This is achieved through a court appeal against a ruling safely. Detailed instructions and samples have on the site FSSP. The court will on your side, sometimes - in part.
- Property to secure earnings. At the taxi driver did not take away the car, a copywriter - a laptop. The problem is that this document will have to prove, and the procedure is quite implicit, no fighting instructions. Recipe for one - to a lawyer for consultation. It is advisable for the better, which can only be found.
- All that belongs to the children: toys, crib, playpen, diapers. Do not even bother, are not eligible.
- Living space, if you have nowhere to live. It is about ownership or share.
- Cattle, poultry, bees in the event that it is not part of your business activities.
I gave a share in the apartment relatives of the machine I have, during the arrest of all accounts gave more than 300 thousand rubles to the plaintiff. The money from the personal account, I do not put away - do not repeat my mistakes. You should not be anything other than providing the support.
Tip 2. Try to keep track of the fact of the start of production
You will send letters and notices, which are unlikely to reach. A direct question to answer: "We already have a notice of dispatch, and work address, we are not responsible." And after five days just start arresting everything.
At this point you have to go for a personal meeting with your bailiff. If you talk about Moscow, the reception twice a week. Highly recommend to visit in advance, an hour before the start, otherwise you'll have to sit in a couple of hours queue.
In my situation, the notification is not handed over immediately arrested all. In good it could be through court to challenge the proceedings start, but I did not dare, because the money has already been written off. It is unlikely that a court decision returned them to me.
You can hardly protect themselves. If you lost the trial, put the phone application FSSP, enter your information and configure the notification. Once enough push - immediately to the bailiff.
Price: Free
Price: Free
Tip 3. Prepare for meetings
The first part takes place nenapryazhno. You listen to why the indebtedness, as much as you can to pay, which parts. You write an application with all these facts indicating the amount and date of the monthly payment.
Do not lose vigilance. The main task of police officer - as quickly as possible to fulfill the production, that is, take away everything you have.
The height of folly to be said in sables, waving iPhone XS. I have since tried to describe the phone to catch on nonsense. We are discussing how to pay the debt. The bailiff said: "There is," Sberbank Online "? Open. " I opened it. Says: "A good phone? We reach a SIM card, he had been arrested. " Barely jumped - he said he was given at work. Lucky that it was not necessary to prove.
Monitor your speech and emotions - the dry bureaucratic language, hard facts. And do not let the bailiff provoke.
Tip 4. Minimize payment
You need to eat. And get to work, to pay communal and loans. It is necessary to regulate.
You can arrange this through the application of the bailiff. Describe the situation, police officer endorses a statement from his boss, profit. You pay the agreed amount, and will not touch you - in theory.
In my case, once a couple of months, the bailiff is passed on to all sources. Breaks apartments, new and old cards. If somewhere it lying around, rest assured: fly away, whistling.
There is an option to fix the payment through the courts. I did not, but I advise you. Perhaps you will live calmer. Here, too, there is no detailed instructions, you should consult with a lawyer.
Tip 5. Do not be afraid
With collectors communicated ever? Multiply 10-15, you get a regular police officer.
Do not get fooled by provocation. Do not lose your temper. Do not give in to emotions.
And do not try to hide. You should ideally fulfill their obligations, but in this case you will lose interest.
Do not be afraid to complain if the employee exceeds the authority. On any wall in the FSSP building has instructions on filing a complaint. Do not think that you will take revenge, next time just do not want to communicate. The procedure in detail described on the official site service.
Any decision bailiff should be handed to you dated decree. If you do not have - insist. Otherwise, then no one can not prove.
I have so "lost" the decision of the netting two million rubles by changing the bailiff. Then there was a magical way - after three trips to the FSSP.
Most importantly - remember that all this is temporary. Is perceived as an invaluable lesson.
see also🧐
- For that the bank can block the card
- What you need to know to get a loan from any bank
- Why the bank may refuse to credit