On Friday, November 23, the bailiffs of Russia had a single day of raids to collect debts for housing and communal services. Bailiffs and specialists of the Vladimir branch of EnergosbyT Plus that day even arrested a Chevrolet Lanos car for debts from one of the residents of the city of Vladimir (her debt for electricity and heat exceeds 130 thousand). Together with the bailiffs and power engineers, the VV journalist went to the raid.
We go to the raid early in the morning to find the debtors at home. But in one of the apartments in the building 5-d on the street. Usti-na-Labe was never opened to us. And the owners have a total debt to power engineers - almost 32 thousand rubles. Of this amount, more than 9.5 thousand are already in enforcement proceedings at the bailiffs.
We leave the summons to the hosts. But hiding from bailiffs and creditors is irrational behavior. If the debt and payoffs accumulate, everything can end sadly, right up to the arrest of the apartment.
In the house on the street. Mikhailovskaya, 59, the situation is even more sad. There are almost 136.5 thousand rubles of total debt. Of these, 134 thousand are already in enforcement proceedings. The debt and penalties on it have been increasing since 2016.
The landlady says: she is slowly paying off the debt, but it is already so great that the penalties on it grow faster than she can get rid of the main debt (she pays 4 thousand a month). The reason for the appearance of a large debt is an accident, after which the woman spent six months in the hospital.
And so the bailiffs describe the car. If the owner does not pay off the communal debt within 10 days, her Chevrolet Lanos will be auctioned. This is a disaster for the debtor. She taxis and lives by it. The machine for her is a means of production, a source of income.
However, the woman has three grown children. The youngest with his family is registered with his mother. Why did none of the children pay utility bills while their mother was in the hospital? Why did none of them help her pay off the debt when the lawsuit was already in court? And where did the money earned by the taxi go all this time? Not to support children and grandchildren (the car owner herself is already retired)?
The third address is st. Feigina, 2/20. It looks like a dysfunctional family lives here. Neighbors say that gas workers have already come to collect debts. And some of the utilities cut off the supply of the resource to the apartment.
The hostess greeted me with a question:
Did you come from the city water utility for debts?
That is, she also owes water. But this time the bailiffs came at the suit of the heat workers. The woman also owed them 55 thousand rubles, plus another 9 thousand in penalties. In the proceedings of the bailiffs, the amount of 23.5 thousand still appears.
The apartment is unkempt and poor, but there is also Appliances, and electronics. The hostess immediately takes out 8 thousand from her wallet, promising that she will soon pay off the rest of the debt. The bailiffs send it to the bank: they do not need cash, but a receipt for repayment of the debt. How much you can trust the debtor is a question. But the bailiffs have a condescending attitude towards those who voluntarily agree to pay the debt at least in parts. They did not describe the property in the apartment, they gave a chance to pay off the debt voluntarily.
Other debtors also have such chances. There is even a legal option not to pay interest. True, this does not apply to the amounts for which it has already been accepted judgment about collection.
Every year the company "EnergosbyT Plus" carries out the action "In the New Year - without debts". We urge citizens not to inform judicial trial, do not accumulate debts for heating and hot water supply, but pay them off by December 31. Those who pay off all the debts are written off the penalties, ”said Dmitry Lopatin, head of the press service of EnergosbyT Plus in Vladimir, urging consumers.
There are many beliefs and advice on how to best meet New Year to make him happy. Beliefs are different: funny and not so, smart and stupid, frankly strange. But some beliefs coming from the "depth of centuries" are still worth listening to. One of them says: "If you meet the New Year with debts, you will have to ask for a loan for all 12 months." And how could it be otherwise, if there are only debts all around, but you want to eat every day? So, so that debts do not darken the holiday and the following days, we will try to get rid of them. To do this, we need to pay off all existing debts.
Taxes. Everyone knows that the quality of sleep depends on whether taxes are paid on time. It is necessary to pay for property, transport or land taxes(If there are any). Check if there are forgotten unpaid receipts somewhere.
Rent. Apartment debts must be paid on time. After all, late fees are charged. In order not to waste time on useless searches, payment receipts should be kept separate from other documents, keeping them for three years... Such a term (term limitation period) is necessary if a dispute arises over utility services.
Loans. For the festive bustle and joyful congratulations, you can forget about the loan maturity, which is fraught with penalties. Therefore, you need to pay the required amount to the bank in advance. Better yet, make an advance payment two months in advance. Who knows what temptations the New Year holidays will bring?
Mobile connection. New Year's days are a time of sincere congratulations and long conversations. Postponing the replenishment of the account until New Year's Eve is not the best way... This must be done in advance. If you intend to spend New Year's vacation in another country, and relatives and friends stay at home, do not forget to activate roaming (having carefully read its terms). Otherwise, upon arrival home, you will have an impressive bill for debt negotiations.
Money taken before the paycheck. In order not to lose the trust of friends or work colleagues from whom you borrowed money, you need to return it within the agreed time frame. After completing the undertaken monetary obligations on time, you will ensure yourself a reputation as an honest person; and also save yourself from financial setbacks (old debt will inevitably lead to new debt).
How to say goodbye to debt in the past year
The conclusion from all of the above is simple. We are obliged to pay the bills, but it is imprudent to get into someone else's wallet in order to improve our financial situation. It is possible to ask for a loan from friends and acquaintances in extreme circumstances, only when money is really urgently needed. It is advisable to arrange your life so that there is no need to ask for a loan, commensurate with your monthly expenses with your earnings.
Debt-free life is the path to peace of mind and financial independence... Who can argue with that?
New Year's holidays always make people happy. Everyone is trying to make this day unique. People decorate the house, put up a Christmas tree and prepare food for the festive table. Many people know that before the start of the new year you need to pay off all debts, then the next one will be successful and profitable. This is just a belief, but many people believe in such a sign.
A large number of citizens are interested in what needs to be done to attract good luck in monetary terms. In order not to transfer money, you need to try to give away all the borrowed things and money. As they say: "As you celebrate the New Year, so you will spend it." Also, many people know that you need not only to pay off debts, but also to take away what you borrowed.
Now there are many different New Year's signs. There are people who believe in this and try to do everything as they say in the beliefs. There is a category of citizens who try not to pay attention to various signs.
On the day on the eve of New Year's Eve, you cannot repay debts, this must be done at least one day before the holiday. It is believed that if you give away finances, then you will pay off for a whole year. In order not to be in debt for a whole year and to have a good financial position, you cannot borrow money from someone. If you celebrate the New Year without money, then the whole year will be poor.
Debt-free New Year is a good omen: rituals to attract money
To get a stable financial position next year, you need to agree to borrow from each other small amount of money. V new year's eve you need to repay this debt, then both will have monetary well-being.
At the bottom of the refrigerator, you need to place a scarlet bag on a festive night. There you need to put three coins, always with tails towards the top. On January 1, pick up this bag and hide it. The refrigerator symbolizes wealth.
Debt-free New Year is a good omen: positive thinking influences good luck in the New Year
It is very important to have a good mood and a lot of fun on New Year's Eve. If a person feels happy and cheerful, then the whole year will be like that. Swearing in the New Year, taking offense at someone or crying, in the future you can get exactly these unpleasant situations. It is necessary to leave all bad things, resentments and quarrels in the past and enter the New Year only with positive thinking.
Before one of the main holidays, the bailiffs will intensify work in all areas, and will also explain to citizens how to find out about the debt and repay it thanks to the Internet resource "Databank enforcement proceedings". Within the framework of the action, it is planned to widely use social advertising, conduct joint raids, flash mobs with representatives of related departments, and organize festive charitable events for inmates of children's institutions.
From the beginning to the end of December, the pre-New Year social advertising will remind the residents of the region that good omen- to celebrate the New Year without debt. The service videos are posted in multifunctional centers, on the websites of state authorities. Also, a flash mob for the action of bailiffs "In the new year - without debts" was launched, which was actively supported by residents of the Moscow region, employees tax office, Traffic police, The Pension Fund, Ministry of Emergency Situations, as well as representatives of public organizations, educational institutions, youth parliaments.
December 10-16, all structural units The departments, together with representatives of related departments, will hold field events under the slogan "Pay along the way." Bailiffs will be on duty on the busy highways of the Moscow Region and at large shopping centers where people come for New Year's gifts, using, respectively, the Traffic Policeman hardware and software complex and the Mobile Search online application. During the events, enforcement proceedings will be worked out to collect alimony, taxes, fines, housing and communal services and others.
From 17 to 23, the campaign "Alimony under the Christmas tree" will begin, during which bailiffs The Moscow region will be sent on raids every day to the addresses of unscrupulous parents. Representatives of religious confessions will help to fight those who do not pay alimony; In addition, during the campaign, charity events will be held for children from orphanages and boarding schools, who more than anyone else need care and participation.
Also on the eve of New Year's holidays December 26, 2018 bailiffs of the Moscow region will take an active part in the All-Russian information campaign "Learn about your debts", in which employees of the Federal Bailiff Service of Russia in the Moscow region will go to places of mass gathering of citizens in order to popularize the electronic and online services of the service. At airports, train stations, multifunctional and shopping centers bailiffs will tell and show people how, having access to the Internet, you can quickly, conveniently and reliably find out about the presence or absence of debts, if any, pay them using online services or portable terminals for cashless reception Money... On this day, Santa Claus and Snegurochka will join the uniformed employees, who will help everyone to install a free application on their phone or tablet as a gift, which will further track and report if debts appear.
The purpose of the action "In the New Year - no debt!" - to reduce the number of debtors in our region, as well as to explain to citizens that you can find out about the debt and pay it off thanks to the Internet resource "Data Bank of Enforcement Proceedings" and with the help of mobile application"FSSP".
