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Debt collection companies or credit management companies, as we, at Fire Credit, prefer to be referred to, are companies that specialize in the management of receivables of different types and stages of “late payment”. Such management takes place primarily on behalf of third parties who entrust their receivables outside their own organization, or with reference to receivables that the credit management company itself has purchased.
Our role is not simply to solicit payments or demand the return of a debt, but to accompany people and companies in difficulty towards a solution, to get back into balance.
Why?
Whether it is a bill or an overdue and unpaid installment of an auto loan due to a more or less short-term forgetfulness or financial distress, a mortgage payment or lease payment for a business equipment, or an unpaid commercial invoice, the holder of a credit can rely on specialized outside companies to repay his or her credit, according to very specific ways.
What Rules Do We Follow?
Our operations comply with the legal framework governing financial services, and we are licensed by the relevant Romanian authorities.
In all cases, the activities and procedures followed by credit management companies are clearly defined and must adhere to specific regulations. End customers, whether individuals or businesses, have the right to understand these rules in order to be aware of their rights, obligations, and the terms governing their relationship with such entities.
Fire Credit adheres to the AMCC Code of Conduct, which establishes ethical and professional standards for credit management companies, ensuring fair and transparent interactions with customers.
For this purpose, it may be useful to explore resources provided by industry associations and consumer protection organizations that bring together credit management companies, consumer associations and creditors. These entities work towards establishing clear regulations and best practices in line with official guidelines and industry standards.
How Do We Contact You?
Here are the most common contact methods:
Phone Calls: We call you to propose repayment solutions tailored to your situation, in accordance with the creditor's contract. These may include settlement agreements or installment plans. If payment is impossible or disputed, we record the issue and inform the creditor. The frequency and manner of these calls follow the Code of Conduct established by AMCC.
Home Visits: Our field consultants may schedule an appointment to analyze your situation in person and propose customized solutions.
Legal Actions: Depending on the stage of deterioration or the specific debt case, always on the mandate of the credit owner, we may initiate legal actions to protect the creditor's rights. However, we always attempt to offer an amicable out-of-court solution to avoid further burdens and negative consequences on your credit history.
Written Communications: We use letters, SMS, fax, WhatsApp messages, and dedicated online portals, always respecting the Code of Conduct.
Tracing Activities: If you are unreachable, we may initiate tracing activities to establish communication while strictly following legal guidelines.
Privacy Protection
Credit management companies are required to operate while respecting the privacy of customers facing payment difficulties. We avoid any actions that may violate confidentiality. Information regarding debts is only shared with the debtor or legally related parties (e.g., guarantors or co-obligors), with a strict prohibition on disclosing details to third parties.
Transparency and Clarity
Regardless of the contact method, credit management companies provide clear and complete information about the debt, including:
· The origin and amount of the debt
· The deadline for payment
· Available payment methods
We also listen to the debtor to gather useful information for the creditor and work toward a positive resolution. Additionally, we inform debtors of potential consequences of further delays—without ever using threats, derogatory remarks, or actions that could harm personal dignity.
Received a Letter, SMS, or Call from Us?
Do you need more information or want to resume communication with us? We are always available at the contact details we provided or at 0332 711 711.
