For many, the debt recovery process stops here – a campaign of letter writing and protracted phone calls is sufficient to extract from a wayward borrower, the repayments that are due. There is no doubt that this element of the process is integral to the smooth resolution of many debt cases. However for the aforementioned unscrupulous debtor, the service of process is merely a heads up – a cue to become slippery and attempt to avoid payment. In these cases, more aggressive actions are warranted. Unfortunately, the scary, intimidating stereotypes held by the public towards the debt collection industry are based on practices adopted only towards the most extreme cases, which have been generalised by the media and word of mouth to be mistakenly applied to the average case of debt collection. In reality, these cases occur as described before – largely without event. Even in more severe cases, the language “aggressive action” gives an overtly sinister connotation to behaviour which essentially amounts to the company being persistent – their actual action can go no further than issuing legal documentation and serving continual reminders to try and prompt the debtor to settle the money they owe.
The most extreme cases involve debtors disappearing entirely – changing names, leaving the country and so on. For these debtors aggressive legal action is simply not sufficient – it becomes the domain of very niche companies that specialise in the collection of these extreme and ludicrous