If you are called about a relative's debts, and you are not a guarantor for the loan, this is a violation of the law. First, say that you do not want to receive calls, and if they are repeated, you will file a complaint with the FSSP or the prosecutor's office. Most likely, the calls will stop after this. If not, file a complaint.
The same should be done if bailiffs or collectors come to your house, but the debtor is not registered in your territory. This is the same violation of the law as calls.
If the debtor is registered in the apartment or is one of its owners, the bailiffs can actually come and make an inventory. They can only do this on weekdays from 6:00 to 20:00. You need to prepare for the visit and provide evidence that the property belongs to you.
Receipts and neighbors' testimony that the debtor does not lebanon mobile database live in the apartment can serve as evidence. If he does live with you, the property can only be protected with supporting documents.
How to avoid a visit from bailiffs
The only one who can negotiate with the FSSP representatives is the debtor himself. He can pay them a visit or agree to meet on neutral territory.
At the meeting, the defaulter should offer options for paying off the debt - perhaps not very large, but regular payments. He can also promise to sell the property and pay off the entire debt by a certain date. This will provide a temporary reprieve. But if the promise is not fulfilled, the enforcement proceedings will resume. And in this case, it will be difficult to avoid an inventory of the property.
What to do in case of death of the borrower
The lender assumes the risks associated with the possible death of the borrower. Relatives are not liable for his debts until they inherit. Heirs receive not only the property, but also the credit obligations of the deceased relative.
But by law no one is obliged to accept the inheritance: it is done at will. Before inheriting property, you need to make sure that the deceased had no debts, or that their amount does not exceed the value of the inherited property.
If a relative had an old car and a large loan from the bank, it is worth refusing to accept the inheritance. After all, in this case, you will inherit only debts.