The specialist supported the bill, which, according to her, makes life easier for the borrower.
“There are a lot of credit organizations now, especially small credit organizations that indiscriminately gave loans to people who obviously were unable to pay off,” the lawyer said.
She noted that when collecting a debt, a credit institution goes to the bailiffs, "with a clear regulation of work on debt collection, exactly based on the letter of the law."
“And if the debtor does not have property that can be levied, and the property that he has, for example, the only apartment, according to the law of Russia, is not subject to collection, the legislation guarantees citizens the inviolability of the only housing even for debts,” Yarmush explained. .
And by transferring debts to collectors, in her opinion, a financial institution gives the process of debt collection, "sometimes to very unscrupulous people."
“And if the deputies now prohibit collectors from collecting debts from pensioners, this will protect, and will be a guarantee to pensioners that if there are penalties, then only judicial representatives will do this,” Yarmush concluded.
Earlier it became known that a group of deputies and senators prepared a bill, according to which it is proposed to establish a ban on the transfer of pensioners' debts to credit organizations to collectors.