Excellent cash how to work with debtors. What are the consequences for a borrower who does not pay a loan in an MFI with excellent cash. Is it possible to write off the debt on the issued loan

MFO Excellent Cash provides payday loans in the cities of presence of offices and representative offices throughout Russia. Among the clients of the organization are more than 190 thousand borrowers from different parts of the country. It is no wonder that there are a sufficient number of debtors among them, because MFIs are not distinguished by scrupulousness in the selection of clients. Every day, hundreds of delinquent borrowers ask the question: “How do Great Cash collectors work”? What methods do they use to collect debts?

What collectors does MFI Excellent Cash cooperate with?

Among the collection agencies that MFI Excellent Cash cooperates with are the National Collection Service and Everest.

Both organizations are members of NAPCA, the Russian association of collection agencies, which is designed to create a civilized market for services in Russia based on legal actions and a strict sequence of collection.

NSV has been on the market for a long time, but KA Everest has only recently become part of it.

How do Excellent Cash collectors work?

To begin with, I would like to note that the credit institution has its own full-time overdue debt collection service, which operates worse than any collectors.

The fact is that ACs are more effective only in large cities, where they have offices and representative offices, as well as employees who often go after debtors. For a borrower who lives in a remote location, blocking annoying calls from collectors is not a problem, and none of the collectors will travel thousands of kilometers because of a debt of 15-20 thousand. Therefore, employees of offices in different cities are part-time and local collectors of this organization.

Once at a time it is not necessary, but they act quite harshly. It all starts with standard calls to a mobile phone. However, instead of a calm conversation, threats immediately begin. They threaten with court, criminal liability for fraud, arrest of all property, etc.

Threats are received against children, collectors say that they will write a complaint against their parents to the guardianship authorities and then the children will be taken to an orphanage. There are also direct threats to health and life.

If the borrower does not answer calls and does not pay the debt, collectors begin to call the work phone number indicated in the questionnaire, tell about the borrower's debts, that he is hiding from the law, etc.

Among other things, they call all the contact persons whose numbers were indicated in the questionnaire and tell the same story. At the same time, relatives and friends are intimidated by the fact that they are supposedly loan guarantors and, in which case, they will repay the debts of a friend on their own. They are frightened with the same fables about prison, courts, seizure of property, etc.

If this does not bring results, otlnal.ru collectors are sent to the place of residence. In a personal conversation with the borrower, they behave aggressively, are rude, shout loudly so that the neighbors hear about the debts of the borrower, etc.

Often collectors Excellent Cash scribble the door and walls of the entrance of the borrower with hard-hitting inscriptions.

This continues for 4-8 months or until the borrower repays the entire amount of the debt. After 6-12 months, the debt is transferred / sold to the collection agency NSV or Everest, which act not as harshly as the collectors of the MFI itself.

At the very least, they rarely go from house to house and do not fill the doors of debtors. Their collection methods are based on psychological pressure, not physical.

In the first weeks, the collectors of these organizations begin to actively call the borrower with a delay. The number of calls reaches 90-150 per day. The phone is simply put on dial if the borrower does not pick up the phone or hangs up.

Also, the organization sends several letters to the mailbox with information that the Excellent Cash MFI hired them under an agency agreement to collect the debt.

If the borrower does not pick up the phone and does not make contact, the collectors begin to write threatening SMS messages, send a letter with a picture of a prison cell and a copy of the statement to the prosecutor's office on the fact of fraud. Also in their letters, the EAR constantly threatens to come to the address of the borrower's residence. At the same time, it indicates the exact date and time of arrival, however, collectors do not appear at the appointed hour.

But after a couple of weeks, the borrower receives a new letter in which the collectors say that they came, but no one opened the door for them, and now they will definitely go to the police, and even sue.

There can be as many such "letters of happiness" as you like. In some of them you can find a copy of the statement of claim to the court for debt collection, in others - a copy of the complaint to the guardianship authorities for improper performance of parental duties, etc. All this is nothing more than a divorce, which is designed to scare the borrower, instill fear in him so that he quickly repays the debt.

How to deal with Great Cash collectors?

Judging by the way Excellent Cash collectors work, it is better not to contact them at all. This will only provoke them, they will behave even more defiant and aggressive.

It's much better to ignore the calls completely. The Anticollector application, which can be downloaded for free from the Market and installed on your smartphone, will help you do this. You can also use the "Black List" service, which is available in modern phones or operators.

After the first unpleasant communication with employees and collectors of Excellent Cash, you should immediately write a complaint-review directly. Most often, representatives of MFIs contact those who leave negative ratings and complaints and try to resolve the controversial issue.

Now many citizens use loans provided by various MFIs, because it is very convenient and profitable. At the same time, there are situations when the borrower does not pay a cash loan for a long time, which he took from a financial institution. Therefore, very often people ask the question, what will happen if you do not make cash payments on a loan taken from an MFI. In order to answer it correctly, it will be necessary to take into account as accurately as possible the legislation of the country and the features of the agreement drawn up with the financial organization. Among the active collection agencies with which MFI Excellent Cash cooperates on an ongoing basis are the NSV (National Collection Service) and Everest.

What are the consequences of defaulting on a loan?

Very often, borrowers who took advantage of a certain lending program and took a cash loan from an MFI do not have time to make cash payments on the loan within the time period established by the agreement. In this case, it is recommended to contact the representatives of MFI Excellent Cash and explain the situation to them. As a rule, financial institutions make certain concessions and give the borrower, who did not have time to repay the loan within the time period established by the agreement, additional time to carry out these procedures.

The main sanctions that threaten a borrower who does not pay the loan on time:

• Fines and penalties.
• Additional interest.
• Deprivation of benefits and bonuses from a financial institution.

When applying for a loan at an MFI, it is recommended that you carefully read the terms of the agreement, which will greatly simplify the procedure for paying for a cash loan. This moment will necessarily need to be taken into account by the borrower who uses a certain lending program from the MFI.

Many people who use the loans provided by MFI Excellent Cash enjoy the benefits of such loans, some of them are:

1. The ability to quickly receive the required amount of money.
2. The ability to spend the money received at your discretion.
3. Relatively low interest rates on loans.

If you took the opportunity and took a loan, then you need to be as careful as possible about the terms of its repayment. This will help you save a lot of money and avoid problems that may arise in the future due to late payments. If a certain borrower does not make cash payments on a previously taken loan from an MFI for a long time, then a commercial organization can sue. In litigation, in certain cases, such a borrower may be subject to additional sanctions in the form of interest for late payment.

Need to pay off a loan

The borrowed funds will necessarily need to be paid to the credit institution, because otherwise the borrower may have problems and difficulties. If a cash loan that was taken from a commercial organization is not repaid, the borrower may lose the opportunity to use loans from other MFIs. The credit history of such a borrower will be damaged and he will not be able to take advantage of credit offers from commercial banks.

It will be necessary to note such a moment that if you need a certain amount of money to borrow, you need to choose the right credit institution. Our official website contains the most up-to-date and very useful information that will help you get a quick and most profitable cash loan for any need. This will allow you to make loan payments quickly and easily. Many citizens who have used this method of receiving money highlight low interest rates and loyal lending conditions.

Case No. 2-2793/2014

SOLUTION

In the name of the Russian Federation

DD.MM.YYYY

Central District Court composed of:

Presiding Judge Chizhova N.A.,

With the participation of the representative of the defendant FULL NAME2,

When the secretary of the court session FULL NAME3

Having considered in open court a civil case based on a statement of claim FULL NAME1 to OOO "Excellent Cash - Khabarovsk" on termination of the loan agreement, determination of the amount of debt to be returned, recovery of court costs, compensation for non-pecuniary damage,

installed:

FULL NAME1 filed a lawsuit against Excellent Cash - Khabarovsk LLC to terminate the loan agreement, determine the amount of debt to be repaid, recover court costs, compensation for non-pecuniary damage, in support of which he indicated that between LLC Excellent Cash - Khabarovsk and FULL NAME1 a loan agreement No. dated DD.MM.YYYY was concluded on the following terms: in the amount of 20,000 rubles, for 15 days with a final repayment date of 01/01/2013, and an established interest for using the loan in the amount of 4,500 rubles. Within the period established by the agreement, the plaintiff paid the amount of the debt through the defendant's operating office, the receipt, together with the agreement, was lost by him. After more than 6 months, he began to receive calls on his phone, as well as his contact persons, as well as SMS notifications, demanding that he has some debt under the loan agreement dated 12/17/2012, without indicating the amount of the debt, as well as the terms in which he must repay it, in response to his numerous requests, a certificate of the amount remaining to be repaid or a certificate of the amount of the remaining debt is not issued to him, only continuing to make calls that the amount of debt will be collected from him by collection agencies, and that the amount of debt is constantly growing. Only DD.MM.YYYY upon applying for legal assistance, his representative received a certificate in free form on the state of the debt 5 times the amount of the loan, in the total amount of 100,900 rubles. At the same time, indicating that the amount is not accurate, and again it will continue to grow in an incomprehensible amount. Since his copy of the loan agreement was lost, the representative filed an application dated DD.MM.YYYY to the defendant to provide a certified copy of the said agreement. But he was denied an answer, on the grounds that he must pay a fee for issuing a copy of the contract in the amount of 3,000 rubles for each sheet in A4 format + VAT (application and response are attached). He considers that the actions of Excellent Cash - Khabarovsk LLC are illegal and have the intent to intentionally increase the loan amount without confirming and documenting information about the amount of the debt to be returned, and without providing any documents, provided that he is ready to repay the debt, which was repeatedly reported to the defendant, but not in such an amount (with an obviously illegal penalty). In turn, "Excellent Cash" continues to send SMS messages and threatening letters, and also makes calls to relatives and friends, thereby exercising psychological pressure. He believes that the accrued penalties and fines should be a measure of civil liability, and be of a compensatory nature, therefore, it cannot serve as a source of enrichment for a person. demanding its payment, which in this case the defendant is trying to do by continuing to increase the amount of the debt. Further, in January 2014, Creditexpress Finance LLC, which, acting in the interests of Excellent Cash LLC under an agency agreement, received a letter threatening to seize property without a court decision. Moreover, the defendant himself does not apply to the court to collect the debt from him, continuing illegal actions to collect the debt, as well as an incomprehensible kind of court summons (supposedly in the Tushinsky District Court No. ), at the same time indicating the amount of debt in the amount of already in the amount of 130,000 rubles, and details for the transfer. He believes that in this case the amount of fines accrued to him for late repayment of principal and interest under the loan agreement is clearly disproportionate to the consequences of the breach of obligations. The defendant does not have serious consequences as a result of delay in repayment of the debt. In addition, there is a clear disproportion between the amount of interest and the principal debt. In view of the above circumstances, he believes that there are grounds for recalculation and reduction of the fines accrued to him. He considers that he suffered moral damage as a result of violation of his rights, which he estimates at the rate of 15,000 rubles. To restore his rights, he applied for legal assistance. For consultation, preparation and execution of a statement of claim, with the calculation of the claim, as well as for representation in court, in total, for the services of a representative, they were paid an amount of 7,000 rubles. Plus, the amount of 1,200 rubles was paid by him for issuing a notarized power of attorney. The contract, acts of work performed and receipts for receipt by the representative of funds for legal services are attached. Based on the foregoing, he asks the court to terminate the loan agreement No. "Trust" dated DD.MM.YYYY, to determine the amount of the debt to be collected from the plaintiff in favor of Excellent Cash LLC, as well as the amount of penalties and fines, to recover from Excellent Cash LLC in case of satisfaction of claims, court costs in the amount of 8200 rubles. To recover from Excellent Cash LLC, if the claims are satisfied, compensation for moral damage in the amount of 15,000 rubles.

The plaintiff did not appear at the hearing, was notified of his appearance in accordance with the rules of Chapter 10 of the Code of Civil Procedure of the Russian Federation, did not submit information about the validity of the reasons for his absence to the court, and did not file requests to postpone the hearing. In this connection, the court found it possible to consider the case in accordance with Part 3 of Art. in the absence of the plaintiff.

At the court session, the representative of the defendant objected to the claims, in support of his position he submitted to the court a written review, according to which a loan agreement dated DD.MM.YYYY No. as a Lender, provided the plaintiff with a loan in the amount of 20,000 RUB. for consumer purposes with the accrual of interest in the amount of 1.5% for each day of use of other people's funds (five hundred and forty eight per annum) in accordance with clause 1.3 of the loan agreement. In accordance with clause 1.7 of the loan agreement, the loan was granted without collateral. The specified amount of interest is reasonable, based on the very high risk of the Lender when issuing an unsecured loan, without a detailed check of the Borrower's solvency and a guarantee of third parties. The terms of the loan agreement do not violate the requirements of Article - or other norms of the law, in connection with which, the requirement of FULL NAME1 to reduce interest under the agreement are unlawful. Excellent Cash-Khabarovsk LLC is not a credit institution and carries out its activities to provide loans on the basis of articles -. The specified rules on the loan agreement do not provide for the maximum amount of interest, which must be established by the parties. In addition, the Civil Code of the Russian Federation does not contain a direct rule that could reduce too high interest rates that infringe on the interests of the borrower. According to the loan agreement FULL NAME1 received funds in the amount of 20 000 rubles, with the obligation to return the funds, as well as interest for the use of 01.01.2013. The plaintiff did not fulfill his obligations, namely, DD.MM.YYYY no funds were received to repay the loan agreement, and so far FULL NAME1, has not contributed funds. FULL NAME1 previously repeatedly received loans and fully repaid them within the period specified in the contract, in connection with which DD.MM.YYYY he was granted a trust loan already at a lower percentage. At that time, Claimant did not consider the interest to be excessive. With the proper performance of its obligations, FULL NAME1 would pay 20,000 rubles - the principal debt and 4,500 rubles - interest for the use of funds. Due to the fact that the Claimant did not fulfill its obligations to return the amount of the debt, Excellent Cash-Khabarovsk LLC continued to accrue interest for the use of funds. As of DD.MM.YYYY, the number of unpaid days was 530 days. 20,000 (principal debt) * 1.5% = 300 rubles. 530 (days) 1300 rub. (percentage per day) = 159,000 rubles. Total: 20,000 (Principal) + 159,000 (interest on the loan) + 2,000 (fine) = 181,000 rubles 00 kopecks. Thus, the condition on the accrual of interest for the use of the loan complies with the current legislation. It should be noted that according to the calculation of the debt from DD.MM.YYYY, the balance of the debt is 181,000 rubles. The borrower has not fulfilled these obligations to date and continues to evade fulfillment, including by filing a claim to terminate the loan agreement, to determine the amount of the debt to be repaid. In our case, under the loan agreement No. dated DD.MM.YYYY, no penalty was charged. The plaintiff owes Excellent Cash-Khabarovsk LLC the principal debt, as well as interest for the use of other people's funds in accordance with clause 1.3 of the loan agreement. On the calculation of the penalty LLC "Excellent cash-Khabarovsk" requirements for FULL NAME1 did not show. 3. As for the claimant's claims for compensation for moral damage, he considers these claims unfounded, since when signing the loan agreement, the Claimant could calculate how much interest he should pay if the payment under the contract was not paid on time. Also, the Company repeatedly contacted the plaintiff with a demand to pay off the resulting debt, but the plaintiff did not appear to pay off the debt. Also, the plaintiff did not prove what kind of moral suffering he experienced and how specifically they are confirmed. To execute the loan agreement No. DD.MM.YYYY, the Claimant can apply to the company's office by paying the resulting amount of debt, the loan agreement will be closed. Based on the foregoing, asks the court to refuse to satisfy the claims of FULL NAME1 to LLC "Excellent Cash-Khabarovsk" in full.

The court, having listened to the explanations of the representative of the defendant, having studied the materials of the case, came to the following conclusions.

decided:

Claims FULL NAME1 to LLC "Excellent cash - Khabarovsk" to terminate the loan agreement, determine the amount of debt to be returned, recover court costs, compensation for non-pecuniary damage to be left unsatisfied in full.

The decision can be appealed within a month from the date of the decision of the court - DD.MM.YYYY in howling through the Central District Court by filing an appeal.

Copy is right.

Judge N.A. Chizhov

Court:

Judges of the case:

Litigation on:

Judicial practice on the application of the norm of Art. 808 of the Civil Code of the Russian Federation

Answer: For all questions regarding personal data, please contact by mail [email protected]

How quickly is a payment credited through the Personal Account?

Answer: On the otlnal.ru website and in the mobile application, you can pay the loan in full or in part with a VISA or MasterCard bank card without commission. The payment will be credited instantly.

How does the Call Center work?

Answer: The call center receives incoming calls from customers around the clock. The call center processes loan applications around the clock. A call to the Call Center in the Russian Federation is free.

What are payday loans?

Answer: These are loans of small amounts for short periods and with a minimum package of documents. Such loans are issued by microfinance organizations and they are processed faster and easier than a bank loan. Most often, the period for which the client is given the required amount is approximately equal to the number of days from the advance payment to the main payday, which is why such a loan is called “Before salary”.

What do you need to get a loan?

Answer: To get a microloan, first of all, you need a passport - the main identity document. Non-working pensioners who apply for a loan for the first time will also need a pension certificate. Also, in some cases, additional documents may be required in addition to the passport. This is necessary in order to determine individual conditions that are beneficial for a particular client.

What is the maximum amount I can receive?

Answer: If you apply to the Excellent Cash MFI for the first time, then the maximum loan amount is 15,000 rubles. When applying again (if the first loan was fully repaid without violations), the amount increases to 30,000 rubles.

How quickly can you get a loan?

Answer: Making a loan in the office for a new Client takes 14 minutes, with a second application, the processing time is reduced to 5-7 minutes.

What can be done to speed up the loan process?

Answer: To get a loan even faster, send an application from the site, from the Excellent Cash mobile application or call the toll-free number 8-800-550-7777. After the consultant calls you back, you will only have to come to any office, sign documents and receive money.

Can I get another loan?

Answer: You can get a second loan after closing the current loan. You can also apply for a card loan as part of an additional loan - that is, if you already have an open loan on the Loan card, you can receive additional funds for it within the current limit of your card.

What do you need to get a Loan Card?

Answer: You can get a Loan Card if you have taken out at least one loan from Excellent Cash Company. To receive a Loan Card, you can leave an application on the website, in a mobile application, by calling the toll-free number 8-800-550-7777 or contact any Excellent Cash office. You must have your passport and a working contact phone number with you.

How to use the Loan Card?

Answer: To get a loan for the Loan Card, you can send an application from our website, from the Excellent Cash mobile application, call the toll-free number 8-800-550-7777 or contact any Excellent Cash office. The agreed amount will be credited to your card.

The card can be used in three ways:
- when paying in stores without commission;
- when making online purchases without commission;
- when withdrawing cash from ATMs serving MasterCard (commission 100 rubles when withdrawing amounts up to 2000 rubles, no commission when withdrawing amounts from 2000 rubles).

It is impossible to replenish the Loancard and transfer funds from it to another card.

How can I withdraw money from the Loan Card?

Answer: You can withdraw cash from the Loan Card at any ATM that accepts MasterCard cards. If you withdraw from 2000 rubles, cash withdrawal is made without commission. If the amount is less than 2000 rubles, a commission of 100 rubles is charged.

I have a bad credit history, can I get a loan?

Answer: Yes, even with a negative credit history or without it (there were no loans and credits before), you can get a loan from our company. At the same time, with conscientious repayment of the loan and interest on it on time, you form a positive credit history. It helps to fix bad credit history.

How can Great Cash improve my credit score?

Answer: Data on all repaid and unpaid loans is stored in a common database, to which all credit organizations have access. Banks willingly issue loans to a borrower with a good credit history and offer favorable terms, while those with a bad credit history find it much more difficult to get a loan, and the conditions set by banks are not the most favorable (shorter term and loan amount, higher percentage, requirement pledge or guarantors, etc.).

If you have a bad credit history, you can improve it by taking out a small loan for a short period of time and paying it off on time. The company will forward this information to the Credit Bureau and your history will improve.

How can I be sure that my personal data is protected?

Answer: "Excellent Cash" is a company that operates in compliance with all laws of the Russian Federation, including the Law on Personal Data. In addition, MFO Bureau of Financial Solutions LLC has a Policy on the processing and protection of personal data, which you can read. Compliance with the requirements of laws is controlled by the Prosecutor's Office of the Russian Federation, the Central Bank of the Russian Federation, Roskomnadzor and other departments. Therefore, you can be sure of the safety of your personal data.

How can you repay a loan?

Answer: There are several ways to repay the loan: you can personally or through a representative (any adult) repay the loan at the office where it was issued - for this you need to name the name and passport details of the borrower. You can remotely repay the loan through the QIWI payment system, you can also transfer funds by bank transfer or pay with a bank card in your personal account on the site. Read more about loan repayment methods in this section.

Can I pay the debt with a credit card?

Answer: In your personal account on the website or in the Excellent Cash mobile application, you can make a loan payment with a Visa or MasterCard bank card. Payments by bank cards are not made at the Company's offices.

What should I do if I can't pay my loan on time?

Answer: If you do not have time to repay the loan on time, you can extend the contract by extending its validity from 7 to 20 days, repaying only the interest for those days of the loan that have already passed.

What happens if I don't pay on time?

Answer: If you do not repay the microloan within the term of the agreement, a penalty of 20% per annum will be charged on the outstanding balance.

Can I pay off the loan early?

Answer: Yes, you can. You can repay the loan any day ahead of schedule, while the amount of interest will be recalculated in proportion to the number of days used.

Can the loan period be extended?

Answer: Yes, you can. And you can extend even an overdue loan. To extend the loan, you need to pay the entire amount of interest that is accrued for the actually used loan term.

Where can I find out the amount of the debt and the date of payment?

Answer: You can find out the amount of the current debt and the date of payment, as well as get answers to other questions about your loan, in several ways: by calling the toll-free phone 8-800-550-7777, through the online chat on our website, in your personal account on our website or mobile application, in any office "Excellent Cash"

Can I get a loan repayment certificate?

Answer: You or your legal representative, who has a Power of Attorney issued by a notary, can receive a loan repayment certificate at any Excellent Cash office, as well as a loan status certificate indicating all information on the availability of open and repaid loans.

Can someone make loan payments for me?

Answer: Anyone over the age of 18 can make payments for you.

I didn't receive a code, what should I do?

Answer: If you do not receive a code word, please call the toll-free number 8-800-550-7777 from the phone to which your card is linked. Name your passport details and get a new code word.

How to get a pin code?

Answer: There are two ways to get a code word.
1. If no more than 14 days have passed since your card was issued, call the toll-free number 8-800-550-7777 from the phone to which your card is linked and listen to the autobot message with the pin code.
2. If more than 14 days have passed since your card was issued, call the toll-free number 8-800-550-7777 from the phone to which the card is linked and ask the operator to find out the pin code. The operator will reset your pin code, after which you can call the toll-free number 8-800-550-7777 and listen to the autobot message with the pin code.

I took a loan in excellent cash, did not pay for several years. In September, I received a letter from the bailiffs. It says that I am in debt N. I did not receive subpoenas. Tell me what to do.

Hello.

Cancel the court order.

You have 10 days to do so from the date of receipt.

You can get it in the magistrate's court or in the bailiffs.

The recoverer has the right to apply to the court in the order of action proceedings, but you will be summoned to a meeting, you can provide evidence, give explanations.

Hello, receive a copy of the court order and file objections regarding its execution along with a request for the restoration of the missed deadline.

Good luck and all the best

Hello.

It is necessary to familiarize yourself with the materials of the enforcement proceedings, take the order and file an objection with a request for the restoration of the term.

Hello, you should get a copy of the court order from the bailiff or in the magistrate's court and file your objections to its cancellation within 10 days from the date of receipt.

You can apply to the court, familiarize yourself with the case materials and file for the restoration of the time limit for appeal. But, it’s not a fact that they will restore it, and if they restore it, the decision is unlikely to change: you took a loan, you didn’t pay it, so you have to pay it back.

Dear site visitor!

In your situation, you can find out from the bailiff on the basis of which document the recovery is made, if this is a court order, then you can cancel it with the restoration of the deadlines for appeal.

I took a loan in excellent cash, but I lost my job, my ionization was closed, I can’t return the dollar, what should I do !? I didn't work officially.

Hello!

You can't pay don't pay. Send them to court. Ask the court to lower the interest. After the court decision comes into force, you can apply to the court that issued the decision with a statement and ask to defer and / or install the payment of the debt (Article 434 of the Code of Civil Procedure of the Russian Federation)

Hello, you can apply to the bank with a request for restructuring, but carefully look at their conditions. They are often predatory. If the conditions are not satisfactory, it’s easier not to pay, because all your payments will only pay fines and penalties, you won’t get to the principal and interest, wait for the court and in court you can reduce the amount of debt on the basis of Art. 333 of the Civil Code of the Russian Federation.

If you don't have money, then you can't do anything. Wait until they sue. In court, reduce penalties and forfeits, as they will wind up ten times more. Then pay bailiffs whenever possible.

Good afternoon Either look for money and return it, or wait for the court, through the court it will be possible to reduce interest, fines and penalties under 333 of the Civil Code of the Russian Federation, because if you go and find money now, you will be charged a lot.

Good afternoon

If you cannot pay the debt and interest is coming, it is better to wait until the lender goes to court with a demand to collect the debt and petition in court to reduce the interest on the loan.