A friend was looking for a job recently and received an interview invitation from a business consulting company for corporate legal affairs. But after understanding that this job is actually a debt collector for a credit card outsourcing company, dealing with people with overdue credit cards and loans. Have you ever been interviewed for a job as a debt collector or have been debt collectors?

Currently, most online debt collection platforms (P2P) or financial institutions use "partial outsourcing" for their debt collection services. , part collected by yourself” model. Debts that have just been overdue are generally collected by P2P companies and financial institutions themselves;

The debts borne by outsourcing companies include two main parts, one is those that are overdue for a long time, and the other is P2P companies. Areas not covered by itself.

At the same time, P2P companies will not outsource the collection business to only one debt collection company. Instead, they will use a competition mechanism to allow several companies to perform the work together, implement final elimination, and then be filled by the second echelon. For third-party debt collection companies, they can get different percentages of commissions based on the length of the debt. Debt commissions for 1 to 3 months are below 10%, and within one year are 15% to 20%. There are no more than three methods of debt collection: telephone collection, external collection visits, and litigation. The collectors of outsourced companies generally collect debts from lenders in the capacity of bank collection departments or entrusted law firms. The commission for each business order ranges from 10 to 600 yuan. If you have a strong psychological quality and enough patience, it is not a problem to earn more than 10,000 yuan a month. The cost of telephone collection is relatively low and can avoid direct conflicts, but it is inefficient and has no legal effect. It is only effective for debtors who owe debts due to accidental reasons, but is not effective for "lao Lai" who are as thick-skinned as a city wall. The cost of external visits is relatively high and will be used as an auxiliary collection method.

The collection operation process is to remind the borrower in the early stage, and then add pressure and warning in the later stage. The collector will not only call the borrower from time to time, but also send text messages to the guarantor and inform them of their Business associates and relatives. Malicious overdraft and long-term non-repayment for the purpose of illegal possession may constitute the crime of loan fraud under Article 193 of the Criminal Law and the crime of credit card fraud under Article 196 of the Criminal Law. However, due to the relatively high cost of litigation, usually only a lawyer's letter is sent to put pressure on the person. If the amount of debt owed is not particularly huge and there is little hope of recovery, a lawsuit will generally not be filed and judicial procedures will be pursued. As long as they can still contact anyone such as the borrower's parents, brothers, sisters, uncles, aunts, etc., the collector will work hard, doing ideological work while applying pressure. There is also a glimmer of hope that the collector will not file the case for litigation. Have you ever been in debt collection? How much do you know about the debt collection industry?

The process of telephone collection is roughly as follows:

First indicate the pre-set identity, and then check the borrower’s identity information and the relevant facts of the loan. The second step is to apply pressure. The pressure mainly comes from two aspects: legal consequences (civil liability and criminal liability) and economic consequences. Finally, the borrower's identity information, guarantor information and emergency contact information are rechecked for invisible pressure. They will give you a repayment period, usually within three days, and will continue to follow up in the next few days.