Four points should be paid attention to when collecting home visits:
First, check each other's identity first!
The vast majority of home visits are third-party collections outsourced by banks. At first, the other party will force you to repay the loan on the grounds of home visit. If it is an appointment with you, it will rarely be a real home visit. A real home visit is usually a "surprise attack". The constitution protects everyone's home from infringement! If you don't let them in, the other side won't dare to enter. You can also say that there are old people at home who are in poor health. If you are stimulated, you must take responsibility, and the other party will naturally converge. So when we meet at the beginning, we must first know each other's identity, whether there is a work permit or not, and whether there is a "debt entrustment agreement" of the bank.
Second, control emotions and avoid conflicts!
Compliance home visits only verify the situation and agree on repayment time. The other party is usually two people, and the whole process is also recorded. Some emotional netizens will say that it is too extreme for them to "come back" when the other party comes to the door. If the other party is really threatening, you should also control your emotions to avoid unnecessary troubles caused by the escalation of contradictions. Just call the police!
Third, verify the debt situation!
Check your current debt situation with the other party. What are the principal, liquidated damages and interest respectively? If you encounter a lot of unscrupulous collection, travel expenses, communication fees and other expenses will even be included in the bill.
Fourth, read the document carefully and sign it carefully!
The other party may seize the weakness of your good face and know that you are afraid of losing face in front of your neighbors or colleagues at work, which will make you sign a repayment agreement or commitment letter again. Don't blindly sign because you are eager to let the other party go. Be sure to read the contents of the document clearly. You can refuse to sign an agreement with unreasonable repayment conditions or beyond repayment ability.