..Situation..
You received a text message about the debt with a request to pay it as soon as possible, but you did not take any loans. You soon got a call from a financial institution and started talking about debt again. Like, your friend took a loan and now you have to repay the debt, otherwise the house will be taken away.
So, in what cases can someone else’s debt be collected from you?
If you are a guarantor on the loan – have entered into a surety agreement with the bank. In this case, the guarantee implies joint and several liability of the debtor and the guarantor for repayment of the debt.
If you are the debtor’s wife or husband. When concluding contracts, one of the spouses is considered to be acting with the consent of the other spouse. concluded by one of the spouses in the interests of the family creates obligations for the other spouse, if the property received under the contract is used in the interests of the family.
If you are the heir of the deceased debtor and have already entered into inheritance rights. The inheritance includes all rights and obligations that belonged to the testator at the time of opening the inheritance and did not end due to his death.
In all other cases, parents, children, brothers, sisters, nephews, acquaintances and others are not responsible for the debts of their relatives.
If you did not enter into a loan agreement, but were a guarantor, you may be charged:
if the debtor has not fulfilled its obligations to the creditor, ie has not repaid the debt;
if the creditor has filed a lawsuit to recover your credit debt and the court has made a decision;
if a public or private executor has applied to collect a debt from you.
If you have not entered into a loan agreement and have not acted as a guarantor, you are not obliged to repay someone else’s debt and no one will be able to take away your home.
Most often, collectors thus try to psychologically influence the most unscrupulous debtor.
If you need our help – call 0 (96) 016 11 12.
We are always happy to answer your questions
