There are many types of debt collectors character which you may have heard of or even encounter in your life. It will depend on the debt collection agencies practice and the nature of debt which the client also known as creditor whom entrust them to collect on behalf from the personal or organization that owes money also known as debtor.
Generally speaking, debt collectors either focusing on corporate or personal debt collection and some of them can both. In the past, debt collectors in Singapore usually portray the image of those hooligans or gangsters that will use any means to force their debtors to return the money with high amount of interest that can be easily incurred on the weekly basis.
They will even resort to illegals methods to harass their debtors or guarantors that vouch on the debtor’s behalf to loan money from the money lending agencies. They can go to extremes measure such as spraying black paint to the debtor’s home or even physically abuse them to intimidate them in paying the owing amount.
Nowadays, though it is considered as crime for such activities but there are still such incidents that happened on the daily basis in Singapore.
For those professional debt collectors whom are working in debt collection agencies, they will follow a strict protocol of non-harassment but instead will adopt standard practice of Standard Operating Procedures which involves detail investigation, documents gathering and other related information before sending the Letters of demand and conducting a site visit.
This professional debt collectors usually focused on corporate debts but sometimes will be engaged by their client on personal debt matters.
Upon the initial contact with the Professional debt collectors will conduct themselves in ethical manners to negotiate the terms of payment till the debt amount is fully recovered.
In summary, the behavior or personalities of the debt collection officers will not only depend on the nature of debt that is to be collected but also the debt collection agencies’ background and the code of conduct in the debt collection industry.