What Is Commercial Debt Collection?
China's debt collection in English is "Debt Collection", which translates to "business account collection". Commercial account collection cannot be understood simply as debt collection. Commercial account recovery refers to the commercial account recovery service through legal recovery processes and techniques, which reduces the risk rate and bad debt rate of the enterprise, and prevents and avoids the credit risk of the enterprise due to the use of credit sales. However, at present, the Mainland is not allowed to register a company under the name of "commercial account recovery". As an effective part of credit management, "commercial account recovery" in the new economic environment and legal system requires a professional team of credit management and business negotiation. To achieve, this is a necessary human strategy in enterprise risk management.
Commercial Account Collection
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1. Cost and Expense Savings. After the account is in arrears, the company has caused considerable losses, especially when it is not so sure of the possibility of the account being recovered, it is even more unwilling to pay excessive recovery costs, resulting in greater losses. Generally, the policy of "no account recovery and no commission" is adopted. It is a way for customers to reduce losses without risking additional losses.
2. Professional handling of cases. Lawyers not only have legal professional literacy, but also receive professional training in collections. They have rich experience in handling cases and can flexibly and effectively handle various problems in the collection process.
3. Legal and effective recovery of arrears. In the form of recovery, lawyers' non-litigation business account collection is essentially different from ordinary debt collection companies. It is mainly through legal and non-violent means to impose various realistic pressures on the debtor to increase the collection strength and accelerate the time of collection; In terms of the actual recovery effect, the lawyer recovers the debt, which is far more effective than the individual recovery in terms of skills, collection efforts, and psychological pressure on the debtor.
4. Solve the problem promptly and properly. Flexible operation methods and various measures promote early settlement of accounts; while recovering arrears, maintain customer relationships to the greatest extent; maintain a good image of themselves.
Commercial account service process and procedures The first step: case evaluation The client provides case related information, and the lawyer's commercial account collection team evaluates and reviews the case to confirm whether it is accepted.
Step 2: Case acceptance According to the evaluation results, the two parties sign a commission agreement. The charge for non-litigation business account collection depends on the collection target and difficulty of the specific case.
The third step: the collection operation of the case conducts a preliminary investigation and understanding of the debtor and formulates a targeted collection plan. Promote debtors to repay their accounts through various professional means; timely report the progress of collection to creditors.
Step 4: Closing the case, closing the case of successful payment, and submitting a report of closing the case; for the case of failing to return the payment, issuing a proposal