RusBankrot
We know everything about bankruptcy
18/12/2024
Wednesday
THIS DAY IN HISTORY:
18 December 
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
18 December
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
MORE THAN A QUARTER OF RUSSIANS' DEBTS ARE HOPELESS
More than 26% of the debts put up for sale by banks to collectors in 2023 were classified as "unpromising for collection." The share of such debts has been growing for three years in a row. In 2021, it was 23%, in 2022 – 24%.
Last year, banks put up for sale overdue debts worth 258 billion rubles, writes RBC. This is 4% less than in 2022. Accordingly, the volume of non-performing loans amounted to 67.1 billion.
Collectors buy back such debts, despite the fact that there is practically no chance to recover funds. The fact is that banks do not sell them in separate lots – they are put up for sale as part of portfolios with promising debts. As part of such portfolios, the share of unpromising debts is estimated conditionally at 0%.
Debts of deceased persons or clients who are in bankruptcy proceedings are called unpromising debts. They can also include small debts and without the necessary documents for the debtor, as well as debts with expired deadlines for filing recovery claims. Most often there are debts without documents or debts of bankrupts. In the latter category, the recoverer can declare himself as a creditor in a bankruptcy case and get any funds.
The absence of documents refers to a situation in which the claimant does not have a loan agreement, but there are contacts of the debtor and information about the amount of the debt. For such debts, collectors work closely with the debtor – they offer him discounts, installments, and minimum payments.
Collectors are also taken for the debts of deceased borrowers. They carry out a scoring procedure that identifies the presence of property in the deceased. If there is property and it is likely that it will be inherited, collectors are declared in the inheritance case. Further, the debts pass to the heir along with the property.
Photo: Freepik
Last year, banks put up for sale overdue debts worth 258 billion rubles, writes RBC. This is 4% less than in 2022. Accordingly, the volume of non-performing loans amounted to 67.1 billion.
Collectors buy back such debts, despite the fact that there is practically no chance to recover funds. The fact is that banks do not sell them in separate lots – they are put up for sale as part of portfolios with promising debts. As part of such portfolios, the share of unpromising debts is estimated conditionally at 0%.
Debts of deceased persons or clients who are in bankruptcy proceedings are called unpromising debts. They can also include small debts and without the necessary documents for the debtor, as well as debts with expired deadlines for filing recovery claims. Most often there are debts without documents or debts of bankrupts. In the latter category, the recoverer can declare himself as a creditor in a bankruptcy case and get any funds.
The absence of documents refers to a situation in which the claimant does not have a loan agreement, but there are contacts of the debtor and information about the amount of the debt. For such debts, collectors work closely with the debtor – they offer him discounts, installments, and minimum payments.
Collectors are also taken for the debts of deceased borrowers. They carry out a scoring procedure that identifies the presence of property in the deceased. If there is property and it is likely that it will be inherited, collectors are declared in the inheritance case. Further, the debts pass to the heir along with the property.
Photo: Freepik
21.02.2024
