In 2014, an important law for certain companies and people was adopted – on collection activities. Finally, in Russia, the collection activity has moved from the category of semi-legal to fully permitted, however, some provisions of the law only complicated the work of collectors, especially those who acted by methods that can easily be attributed not even to administrative, but to criminal offenses. Due to the fact that the work of debt collectors has always been associated with pressure on the debtor, for a long time there have been anti-collection agencies on the market, which, in essence, are law firms dealing with only a limited list of issues. With the adoption of the new law, their work does not change from a legal point of view, however, it is simplified due to the fact that it is now easier to represent the interests of your client. Since the new law will almost certainly bring a considerable number of collection agencies to the market, anti-collection agencies can also get a considerable number of clients. Today, many people are in debt on a loan or other similar obligations, and helping them can be a promising line of business.
The first step is to register as a business entity, and here a businessman is actually limited in choosing the form of a business entity, because it is most logical to register a limited liability company. There should be no difficulties here, because the procedure is quite standard, there are no difficulties, and all because today the activities of law firms are not licensed. That is, you can engage in legal support simply by opening your own company. From the point of view of the law, an anti-collection agency can work with any groups of the population, because its employees are loan lawyers who handle civil cases. And for this you do not even need to have the status of a lawyer; however, there is a very important point here – only lawyers have the right to represent the interests of their client in court, therefore, an anti-collection agency, which does not have specialists with such a status on its staff, can only deal with pre-trial settlement of conflicts. Of course, on the one hand, this is an advantage – it is unprofitable for either debtors, or banks, or collectors themselves (in particular) to bring the case to court, but in reality, quite often filing an application with the court turns out to be the only way to resolve the dispute. And then the anti-collection agency will no longer be able to help its client. In this connection, it makes sense to think about registering a law office or at least have a specialist with the status of a lawyer; For more information on how to pursue this direction, see on the one hand, this is an advantage – it is unprofitable for either debtors, or banks, or collectors themselves (especially) to bring the case to court, but in reality, quite often filing an application with the court turns out to be the only way to resolve the dispute. And then the anti-collection agency will no longer be able to help its client. In this connection, it makes sense to think about registering a law office or at least have a specialist with the status of a lawyer; For more information on how to pursue this direction, see on the one hand, this is an advantage – it is unprofitable for either debtors, or banks, or collectors themselves (especially) to bring the case to court, but in reality, quite often filing an application with the court turns out to be the only way to resolve the dispute. And then the anti-collection agency will no longer be able to help its client. In this connection, it makes sense to think about registering a law office or at least have a specialist with the status of a lawyer; For more information on how to pursue this direction, see In this connection, it makes sense to think about registering a law office or at least have a specialist with the status of a lawyer; For more information on how to pursue this direction, see In this connection, it makes sense to think about registering a law office or at least have a specialist with the status of a lawyer; For more information on how to pursue this direction, seeour respective article . However, be that as it may, it can be said that it is easier to form an anti-collection agency and engage in anti-collection activities from a legal point of view than a collection agency. Because there is no need to join self-regulatory organizations, have an insurance fund, and in general, anti-collectors risk less than their direct opponents.
So, to get started, you need to find yourself a suitable room. A simple office space is suitable for this, but it would be very nice if the office is located somewhere in the city center. A small room of about 50 m 2 is enough, several specialists will be able to accommodate here, which will be enough at the first stages of work. In fact, in any city you can find already renovated simple premises, which are rented for an acceptable (according to the city) price, but you need to understand that it will still be slightly higher than the average – because the city center always costs the entrepreneur more. The cost of one square meter in an average city will be about 1-1.5 thousand rubles, but in large cities it is an order of magnitude higher (several times), in small towns it makes no sense to open an anti-collection agency, therefore only such prices are considered. For one workplace, you will have to allocate about 30-50 thousand rubles, because all that is needed for the office to work is furniture and simple computer equipment. Renting a ready-made office can be expensive, if you choose it in any business center. In general, renting is the best solution, since it is not advisable to purchase premises for the needs of your company, you will have to invest a huge amount of money that cannot be recouped even in a few years of your work. You can also think about opening an anti-collection agency not in the city center, but somewhere in a residential area, but this is only suitable if there are not too many competitors in the city. Otherwise, you will have to spend a lot of money on advertising so that people generally know about the existence of the office. You can also think about opening an anti-collection agency not in the city center, but somewhere in a residential area, but this is only suitable if there are not too many competitors in the city. Otherwise, you will have to spend a lot of money on advertising so that people generally know about the existence of the office. You can also think about opening an anti-collection agency not in the city center, but somewhere in a residential area, but this is only suitable if there are not too many competitors in the city. Otherwise, you will have to spend a lot of money on advertising so that people generally know about the existence of the office.
In general, in this line of business there should be no problems with customers, if you organize your work correctly. The direct competitors of the anti-collection agency are the same firms, while law firms usually do not influence the situation on the market. Despite the fact that anti-collectors are, in fact, the same lawyers, they occupy only a certain niche and are well versed in the issue, while a generalist does not have enough knowledge and experience in working in this area. In general, assistance in resolving disputes with banks and collectors is a very complex process, and only a true professional can do the job with a guarantee of a positive result. Therefore, if there are no or simply not enough collection agencies in the city, then such a business will flourish. There should be no shortage of consumers, today many people have debt problems and are trying to somehow resolve them, and the complexity of such a settlement forces the average person to turn to specialists. Of course, at first you will have to deal with an advertising campaign – this may include the creation of a website, the development and promotion of which will cost several tens of thousands of rubles (depending on the complexity and saturation of the market with offers on the Internet), as well as all available ATL marketing techniques. To save money, you should contact only the local media, but in any case, you need to count on a lot of money, although the scale of a marketing campaign is usually determined by the capabilities of the entrepreneur. When the agency gains some reputation, word of mouth will work for the businessman.
And here the most important thing is the search for specialists for work. As already noted, just a lawyer will not be able to work in this area, it is necessary to find those people with a higher legal education who already have successful experience in resolving disputes with banks. Otherwise, the lawyer will not be able to correctly assess the client’s opportunities and problems, and therefore will not resolve his issue. A good lawyer receives an average salary of 40 thousand rubles, but in an anti-collection agency, in addition to his salary, he takes a percentage of the money that the client gave for his case. In some offices, the remuneration system is built in such a way that a lawyer does not have a salary at all (or a small one), but at the same time takes almost the entire amount of remuneration for himself. In general, each office sets its own rules and working conditions, most importantly, Don’t miss out on valuable talent. In general, in a successful anti-collection agency, a lawyer receives more than 50 thousand rubles a month. Lawyers – even more, although for a start you can simply find a professional who works for himself and simply cooperates with an anti-collection agency, that is, when bringing a case to court, the office advises its client a partner lawyer, receiving a small amount of compensation for this. In addition to these specialists, it makes sense to find a person with a higher education in banking, who has also worked in this area. This person will be able to correctly interpret the contract, find loopholes and inaccuracies, which will successfully counteract the attacks of collectors. Such a person receives from 35 thousand rubles. Otherwise, you just need to find people who will deal with administrative issues – in other words, this is a secretary for 20 thousand rubles a month. If the entrepreneur himself has a legal education, then he can take a leadership position, otherwise he will have to involve a boss from outside, perhaps choose the most experienced lawyer. At first, the staff of the office is unlikely to exceed 10 people, but in the future it will almost certainly have to increase the number of people employed in the office.
The anti-collection agency, despite its name, is engaged not only in countering collectors, but also in banks, or rather, it begins to help debtors only in the early stages of a problem, that is, at the first delay in payments. Moreover, the anti-collection agency advises its clients to apply immediately, because when the case is brought to the collectors, it only becomes more difficult to resolve it. There are three stages of conflict resolution with the involvement of anti-collectors – pre-trial, judicial and post-trial (that is, after the court has made a decision). The pre-trial stage is the moment when you can still negotiate with the bank, although some of the credit organizations quickly transfer the case to collectors, and then you have to solve all problems with them, fortunately, these people do not like to bring to court. But under the new legislation, collectors can already sue the debtor, and the anti-collection agency must represent his interests in court. Post-trial proceedings are appeals, as well as contacts with bailiffs. In general, the anti-collection agency initially indicates to its clients that it is acting in accordance with the law, and the debtor will have to return the money in any case, however, the anti-collector makes sure that this return of the debt brings the client as few problems as possible and takes place at the most profitable for him conditions (installment payments, lack of pressure, guarantee, refinancing and much more). However, sometimes the contract is drawn up in such a way that it can be considered void; and the actions of the bank or collectors (more often) may go beyond legal actions, and here the anti-collector can not only restore justice, but even help the debtor sue the bank or collectors. People do not know their rights, banks often use this, and since the law always makes a decision in favor of the borrower, in case of some insoluble dispute, collectors will almost certainly lose. If the office employs lawyers who not only help to somehow alleviate the plight of the client, but also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances also to sue some money from the bank – and this is not only about the interest that he assigned illegally, but also about moral harm. In general, a smart lawyer can make good money in this area. but even help the debtor sue the bank or collectors. People do not know their rights, banks often use this, and since the law always makes a decision in favor of the borrower, in case of some insoluble dispute, collectors will almost certainly lose. If the office employs lawyers who not only help to somehow alleviate the plight of the client, but also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances also to sue some money from the bank – and this is not only about the interest that he assigned illegally, but also about moral harm. In general, a smart lawyer can make good money in this area. but even help the debtor sue the bank or collectors. People do not know their rights, banks often use this, and since the law always makes a decision in favor of the borrower, in case of some insoluble dispute, collectors will almost certainly lose. If the office employs lawyers who not only help to somehow alleviate the plight of the client, but also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances also to sue some money from the bank – and this is not only about the interest that he assigned illegally, but also about moral harm. In general, a smart lawyer can make good money in this area. and since the law always decides in favor of the borrower, in case of some unresolvable dispute, collectors will almost certainly lose. If the office employs lawyers who not only help to somehow alleviate the plight of the client, but also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances also to sue some money from the bank – and this is not only about the interest that he assigned illegally, but also about moral harm. In general, a smart lawyer can make good money in this area. and since the law always decides in favor of the borrower, in case of some unresolvable dispute, collectors will almost certainly lose. If the office employs lawyers who not only help to somehow alleviate the plight of the client, but also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances also to sue some money from the bank – and this is not only about the interest that he assigned illegally, but also about moral harm. In general, a smart lawyer can make good money in this area. but they also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances, they also sue some money from the bank – and it’s not just about the interest that he appointed illegally, but also about non-pecuniary damage. In general, a smart lawyer can make good money in this area. but they also do everything possible to save him from debt in general (and with the introduction of the law on bankruptcy of individuals, this has become even easier), and in emergency circumstances, they also sue some money from the bank – and it’s not just about the interest that he appointed illegally, but also about non-pecuniary damage. In general, a smart lawyer can make good money in this area.
But still, it should be noted that the services of anti-collectors have to be classified as inexpensive legal services. Still, a person in debt rarely has funds, so we can say that there are many more potential clients of anti-collection agencies than real clients. Many simply cannot afford legal assistance. However, there is still a percentage of people who understand that without lawyers they will not be able to pay off their debts at all, and often their help can really reduce the amount of debt so much that it will cover the costs of a lawyer – banks are very fond of charging some payments that are understandable only to them, which are easily canceled in court if a person understands at least something in law, and a good lawyer can even achieve that so that only the body of the loan remains in debt, minus payments already made (that is, the debtor will have to return only what he took, without any interest). The cost of services can vary greatly in different offices, but it is also affected by the “neglect” and complexity of the case, as well as the policy of the bank – there are credit organizations and collectors who themselves are well versed in law and have their own staff of specialists. The cost of an initial consultation starts at about 1,000 rubles; an assessment of the available documents and the client’s situation will cost him up to 5,000 rubles. Full support of the case at all three stages already costs several tens of thousands of rubles, here each office sets its own price for a range of services. So, for example, the minimum value is 20 thousand rubles, but the price may well be 50 thousand; sometimes even more is required. You just need to understand that the office does not receive this money immediately, the case of one client can be in production for several months, and usually debtors can only pay in installments. Hence the consequence – you need to attract as many customers as possible in order to support your work. It is also necessary to take into account the fact for which amount the loan was taken, if we are talking about an amount of more than a million (and in the case of legal entities it can be even more), then the prices may increase for anti-collector services, because in this case the client save a lot more money with the help of a lawyer. Usually no one contacts small debts – neither collectors nor anti-collectors, if a person has a debt of 10 thousand rubles, then he is unlikely to go to anti-collectors, this money is easier to re-borrow, the cost of a lawyer’s services will be much higher. The opening of an anti-collection agency is in many ways similar to the opening of a simple law office, financial indicators largely converge, only the essence of working with clients changes. Given the current situation in the country, we can say that opening such a business is a difficult, but still very promising direction, and in many cities there is still an opportunity to open and develop a new company.