Саблин М.Т. Взыскание долгов: от профилактики до принуждения

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.

9. , , 

    :      ,

, , , 

     ,     .

      (. 15  ), 

 (. 151  ).       

     (. 99 

   ( -  ))    

.

, , , 

, , , .

        ( ,  

) , ,

, , , 

.

, ,  Soft  Hard collection,

    ,  . 15    

    ,       

   ,  . 106  

 ( - )), . 94 

,  ().

, , 

     -     

. , 

. 15, 394  (. 333 

       ).

,    ,    

, 

.

,

. 

, 

, 

.

3.2.  ()



 ,  

 , , 

.



       

      (""  ), 

, . 

,     ,   

       , -  

. 

, , ,

. 

, .

 : PRESSI ( HERSON )

Soft collection

        

 (),  - .

         ,

, .

,  Soft collection  , , ,

, SMS . 

    "call-call-letter" (""),

      

.

-      ,

 ,      .

,  ,    ,  ,  . 

         

.

    

       , 

 "", . 

.



 ,      ,  

     ,     

: , , , . 

     -      

  .  - ,   - ,  

   ,    

.

     "" - 

     ""  . 

 "" 

         

, .

       

   ,    

 "" .

- SMS    ,  

   (  ). , 

    (     ), 

. 

.

-    -      

, ,     

  , ,  ,    .

  ,        

         

        

)   . (    

.   3.5.)

-  -  (e-

mail)      

, ,  ,    .  

, , 

 ,       

 .      

.

       

.        

. 

 ,          ,

, .

 Soft collection   () 

  :   ,

,  , ,   ,

  " ",   ,  , 

 ()*(75).

    :   

   .     

 10 , , ,

.  (message)

   :     

.

 Soft collection, ,  "

"*(76),   ()   "" 

.  - : , 

  ,    -   

*(77).

    ,   

,   "" ,

    ""  . , 

 -  ""  "" 

 ,        

,       ,  

.  "" 

, 

.

 Soft collection:

-  5  - 

;

- 1- - ;

- 3-  - , , 

;

- 6- - , 

, ;

- 7-  -         

   ,    (

);

- ...14- -  - 

 Hard collection, ;

- ...14-30- -  Soft  Hard collection.

 ,   Soft collection  

     -  ,

 : PRESSI ( HERSON )

 ,        

. ,     ,



, , .

  ,     , 

   Soft collection      

 Hard collection.

Hard collection

 Hard collection - .  Soft collection

     (, )  

 ""     ,    

.

,  " "   

,        .  

   -       ,

     ,  

, .

 Hard collection :

1.    .    -   , 

  -       

.

2. .

3. .

4.      ,   

.

5.     : 

, .

6. .

7.         

,  (), .

 ,        "

"  - .

 Hard collection:

1. , . ,  10-15

.

2. ,   () (   

 ).  ,     ,

   ,    

, .

3. .

4.   "", .   

.

5.     ,   

    , ,  

, .

6. .

3.3. . 

   

.



.

"  "", , 

  ,      

, , , 

       

.

:

-  ( 30  60 ,  60  90,  90  120,

 120  180,  180  365,  ).     

 ,   ,     

;

-  :    , 

;

- : , 

, , .;

-  ();

- : , , , ;

- :  1 .,  1 . .;

-   :   , 

, , ;

- : , .;

- : ;

- .

       :  

, ,

    .   ,

 ,      

. 

     

.

, ,  "",

", "", "", "", "",

"*(78).

:

" ("", " ")  ""

 ("", ""),   :

", " ", "", "",

", "", "", "", " ",

"*(79).

   -    

 -  ,        

         *(80).

       

 " - ", , 

  ,     

.

       ,

, 

, "        , 

 : PRESSI ( HERSON )

, ., "*(81).

        -

", . , ,

      :   , 

   .      

: ""  "", ,

.

    ,  ,  

, , ,

 "    ",  

, , , 

       

.

     (,

) -  ,  ,   

, , . , 

,   2008 .,     - ,

   . ,  

.

, 

, . , 

?

-   -   

,  "", ""  "".

, ""      ,  

.

 "  ""      

,  .      

" , ,     

. 

.

     " " 

.  2002 . ,  "

 180-200 .  . ,  ,  , 

,  - "*(82),  2009 . () 

 18 862 . (.  550 .) , ,

,  7 .

,         2-

3 . .  ,    

  ,    ,

  (,     ),

.

, 

 (" "  " "), :  

  (   ),  

 ().



  , ,     

      

.

-  - , 

   .     ,

   -       , 

, .

 -      

,  - , , 

" . 



.          

, 

   ,    

.

-   -  

. , 

, , ,

, , , ,

. , 

       , 

, 

   .    ,  ,

     . ,   

     ,    ,

.

-   -   , 

       

.     , ,  .

      

 . , ,  ,   

"      .  

        

    :  ,

, : 

  -   ,     

 - " 25  30 ", " 30  40 " .

 - 

   ,     ,  

, .

     ,   

*(83).

, ,

- *(84), , 

   (,   

) 

       . 

       

 - 

    ,      . 

         

, 

.

-  - .

    ,   

.       ,  

,  ""

 : PRESSI ( HERSON )

 ,      

, , ,  - .

      

 ( ):   ,  ,

   ,    

, , .

      -  

    .     

,      

.

        

 . ,   " ()"  "

":

.    

 ,     : ,

, , .     

, , .

     ,     

2009 .     39 095 .,    -

24 143 .*(85)        

,      Top-20    

  - 104 . .   (    

    20-30% ).   

  4-  - 93 .,       

    .    

 ,    ,   .

 9- 77 500 . 

  16-  - 56 000 .,    (17- ) -

50 000 .,  (19-) - 49 000 ., 

 48 000 .*(86)

       

      

 ,   .  ,  

      

, 

 ,      

.

,   .  

   , , 

, , 

  .      

    

 ().

  .  ,  ,   

 ,     . ,   

   - 14 692 .,  - 16 090 .,

 - 18 506 .,    - 20 439 .,

    - 9284 .   

          

:  - 18 . ,  10  - 

,  - 111 . ., 

6 . ; 

   2009 . 981 . .,   962 .  

*(87). ,  2008-2009 . 

    ,   

, .

.        , 

 ,      

, .

. , , ,

         .

,  2009 .  5168 .*(88)

     ,  

   ,    

      

       .

,        

,    , . 

.

3.4.  - 

 ()

,  ,

  ,

.



, ,

       

     ,    

       ,

, .

    ,   

   "",    

      "".  

       

 ,        

 )      

.

       

:

-   -    ,  

.

-   -   ,   

,   .     

    ("  

", "" .), , 

         

.          

, , ,



, , .

- ,  ,   ()

   .    

 : PRESSI ( HERSON )

   . ,   ()

 (), 

, 

         

  ,       

        

*(89).

- ,

         :

,       

.

-       - 

,        

 .     -

     " ", .    

.

-  ,      

, , 

,       

 ().

-     ,  ,  

,         ( 

   .   4.3).     

       

, .

-       

.

       

:

-          

 ,   ,  

 (. 24 , . 446 ), :

-   ( )     ,  

    ,   

 ,     

   (  ,  

);

- , 

 (,   ),     

;

- ,     -

,   ,    100

   . ,    

   ( ), 

),   - 

 100 ,       1  =

100 .*(90) (. 10 000 .);

-   ,    

 , ,    , ,

, , , ,       

 (  ),      ,

;