So this morning ayam got video call for work.
As usual ayam will wear formal on top an boxers at bottom and no one is at home todei.

Then suddenly while ayam halfway tok and ayam punya anjir bark and it goes on for minutes and disrupt ayam punya speech.
Normally if mailman or waste collector, the barking only last less than a minute je. So ayam checking on cctv via phone and saw 2 guy with vest and neighbour who stay 2 doors away toking at my front gate.

So ayam excuse myself and quickly wear pants and rush down and angrily in mind thought of how should i tell them to move away.
In english - "Can u move further away please, my dog are barking non shop."
In cantonese coz that neighbour speak with me before in that language - "Ooii.. sei 7 yun tit mou? Kau fai tho, ho lan chou ahhh!" (can move further away? Dog barking, is very noisy.

So while going towards my front gate i overheard itu neighbour say " Lei tei pin tho ho yi sau so toe kam yong?" (How can you collect debt till like that?)
Upon reach my front gate, i politely ask them to move further away please. And saw the two guy punya vest ada "Debt Collector" word.
Then all of them say "ohh sorry ah sorry" and raised their palm as a gesture.

Then ayam rush back up to continue the video call and thinking to ask in our community wassap thread to beef up the security, worry also if got case throw paint or start faiya..

most banks sub their collection job to 3rd party! Most 3rd partes also hire gangsters for their debt collection!

Got cat merah or not?

Kalau bukan hutang bukan...

Non legal ones comes with free home makeover

Legal ones only cause emotional embarrassment and loss of face.
Illegal ones you could get that plus more.

So the legal one at most only can show up at home or work place to ask for repayment? No other dangerous stuff, right?

Legal ones are the ones that telco companies (maxis, digi, celcom) go for to collect bad debts. They call you non-stop and then send you threats and lawyer letter.

Illegal ones come with red paint and molotov when you are sleeping midnight

Telco companies also will hire debt collector? Worth it mean meh? I thought at most only thousands ringgit for telco bills.

Rather than losing that entire debt amount, they sell it to legal debt collectors for a small fraction of the amount. Now from 0, at least they gain back some money from your debts.
Then the legal debt collectors will chase you for the full amount and earn from the margin difference.

Some legal debt collectors do by commission. If they can make you pay your debt, they get a percentage commission as well.

Imagine you alone owe one thousand, if 100,000 people owe the same amount, imagine how much the debt each telco holds.

Nowadays the debtors more garang than collector, of course must hire gangster lor else how long do people think they will pay up? Imagine hiring someone that look like judehow to collect money... lol

i once used similar service debt collector from JB, damn effective on the spot post dated cheque

This post has been edited by blek: Feb 25 2021, 06:15 PM

I see. So what is their way or method to collect the debts aside from calling or showing up at home or work place?

bayar la hutang tu ts...

Not me hutang la. Is ayam punya neighbour.
Asking here coz worry those debt collector go salah house damage with paint or faiya, then how?

It depends on who handles your case la. Small amount they will just call you and send you lawyer letter (usually applicable to telco debts).

If big amount, they can go unethical ways even though they are called legit debit collectors. Some will harass your parents, harass your gf, harass your siblings, call them non stop, put banner everywhere. Imagine if you fierce a bit, then can collect few thousand as salary, easy job who dont want to do?

Then if this go overboard, how and what is the correct way for them to protect themselves aside from making police report?

illegal one harass you and your close one with paint, molotov cocktail and illegal force.

legal one will harass with you and your guarantor thru lawyer and bankruptcy

Owe money must pay la. Police won't do anything at all. By the time police come to help, damage already done. If they know you involve police, you make them even more angry, then good luck.

Usually people try to negotiate and work out a payment plan rather than making police report la

This I takut the most. My relatives kena before. Neighbor house borrow Ah Long, his house kena red paint.

I know the chance is low but I also scare legal debt collector got wrong address or went to wrong house and harrass innocent people.

What company???

First time I see debt collector put banner to say what they are doing lol

Depends, usually these debts are bought by the debt collection agency, one infamous one is called Kudarat & Partners, they show up everywhere either in person or by phone.

Eventually if the debts are still difficult to collect it is auctioned on and sometimes bought up by ah longs. This is where it could change course.

20% of something better than 100% of nothing.

Also often the one that they are harassing are the guarantors.

illegal: throw red solvent paint
legal: throw red loyar letter

details plz

eye balls sewn?