Published: 22.05.2024.
Translated by machine translator

What if I owe it?

With debts there's that, easy to get into, difficult to get out. . We created an action plan where you'll find opportunities and recommendations to do to be debt-free again.

See the debt through! http://parads.ptac.gov.lv/lukturis/

 

  • Make sure you've made all your payments on time and don't owe anyone!
  • If you've forgotten to make a payment - 'T STOP ! Do it as soon as possible!
  • If you have made all payments in good faith and within the time limit set, contact and inform the sender of the notification.
  • If you consider that the debt is unfounded - you have the right to make reasoned written objections to the existence of the debt, the amount thereof and the time period for payment within 21 days of receipt of the first notification!
  • Your duty is to work with the debt Recovery.

REMEMBER!

  • Only a licensed provider of debt recovery services may recover debts from consumers.

Be sure of the existence of the licence:

https://registri.ptac.gov.lv/lv/table/parada-atguanas-pakalpojuma-sniedzeji-kuri-sanemusi-licenci#overlay-context=lv

the unwillingness or difficulties encountered by the to settle debts cannot be regarded as a reasonable objection to the debt. .

  • The expression of objections regarding the requested debt shall not suspend the recovery of the debt or release the debtor from the performance of the arrears (for which the due date has already expired), if the debts have been lawfully transferred for recovery to the provider of debt recovery services.
  • If the debt obligations are justified, the debt Recovery person is entitled to request you to pay justified debt recovery expenses and your duty is to cover them.
  • ​​​​​​​the debt recovery expenditure may not exceed EUR 7,00 for the first debit note and EUR 10,00 for the other actions taken in the recovery process. .

 

If you cannot repay the debt immediately (within the specified time period), you are entitled to offer the debt Recovery the procedures and time period for settling your payment obligations. .

  • You have the right to ask for copies of the documents justifying the existence of the debt and its amount.

REMEMBER!

the debt Recovery is not obliged to accept your offer to settle payment obligations if this offer is unacceptable to it. . This is a mutual agreement between the two parties on the most acceptable solution to paying the debt within a reasonable timeframe.

  • If you have requested to issue copies of documents substantiating the debt, the creditor or the debt collector has a duty to provide them to you.

in to the Remember - regarding the documents that must be at your disposal (for example, the entered into contract), the merchant is entitled to request payment for the issuance thereof, warning thereof in advance. .

 

you will receive the first debt reminder from the to the contact address you have specified when you enter into an agreement with the service provider or vendor. .

  • If you are unable to reach the address you have specified, the debt Recovery is entitled to contact you using the contact information that has become known to you or used in previous contact with you, and to send the necessary information to your declared address of residence.
  • when contacting third parties in the
  • the debt collector shall not be entitled to disclose information other than:
    • the name of the person making the contact;
    • the name or surname of the merchant;
    • contact details of the merchant.
  • upon informing you of the debt obligations (in writing, orally) in the
  • the debt collector may not:
    • use aggressive forms of contact;
    • communicate in an honorary and respectful form;
    • to provide false or misleading information on the consequences of non-payment of the debt;
    • visit the debtor in the workplace (without the consent of the debtor);
    • communicate between 21:00 and 08:00 or between 21:00 and 23:00 (without the consent of the debtor), Sundays and public holidays.
    • make it difficult to use daily means of communication.

REMEMBER!

If you have not paid for parking services, you may receive a debit note at the owner's address on the vehicle's technical passport. 

the before paying the debt, the will be careful to see what information the You must provide when making payment – given name, surname, receipt or contract number, etc. important information, that your payment is identified and that there is no misunderstanding in the .

Login to the current amount of debt. . In some cases, it can be variable (increase based on interest or other ancillary claims). If necessary, contact the debt Recovery , to specify the amount due in !

If you have questions regarding the amount of the requested debt or the procedures for calculation of the requested debt in , you shall turn to the debt Recovery and clarify all questions that are not clear to yourself. . debt Recovery is obliged to provide You with this information!

 

  • In the event of a dispute regarding the protection of personal data and the inclusion of information regarding indebtedness in the debt history database, you have the right to apply to the State Inspectorate of data. For more information, please https://www.dvi.gov.lv.
  • you can obtain
  • information about your credit obligations from the following registers:
  • AS “credit bureau” www.manakreditvesture.lv
  • AS “Crefo Office” https://www.crefobirojs.lv/

REMEMBER!

Information on debt obligations shall be included in the debt history database if the late performance of payment obligations is more than 60 days and the time period for objecting has expired and debts have not been covered within this time period.

Long-term uncovered indebtedness may give rise to a refusal to receive a service or credit in the future.

 

 

attels