Please tell me about types of illegal debt collection and solutions.

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I caused a traffic accident, and while the person wasn't seriously injured, the victim required 4 weeks of treatment. It's been a while since I couldn't pay insurance premiums due to difficult circumstances, so it can't be resolved by insurance and I have to go through criminal procedures. I want to seek leniency through settlement — do I have to pay money for leniency? Is leniency difficult with just documents like letters of reflection and plea letters?

debt collection

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Hello. I am a Gangnam criminal attorney.

It is very unfortunate to hear that you are currently suffering serious distress due to illegal debt collection.

The situation you described is highly likely to violate the Debt Collection Act and may be subject to criminal punishment of up to 5 years of imprisonment or a fine of up to 50 million won.

Illegal debt collection is carried out in various ways.

>The debt collector does not reveal their identity or impersonates a court or prosecutor

>Verbal abuse, threats, or physical threats

>Repeated calls and texts after 9 PM or in the early morning hours

>Acts of informing third parties such as family members or work colleagues about the debt, etc.

To respond to such illegal collection, the following methods are important.

First, securing evidence is most important.

Systematically gather call recordings, text screenshots, and videos taken during visits.

Second, you must request the cessation of collection through content-certified mail to the debt collection company. This can be used as important evidence in future lawsuits.

Third, if reported to the Financial Supervisory Service (1322), police, local government, etc., administrative and criminal disposition can proceed.

If illegal debt collection continues or leads to physical threats, it is also a good idea to receive help from specialized institutions such as Daeryun Law Firm's security center.

Daeryun Law Firm provides not only legal consultation on illegal collection and damages lawsuit representation but also personal security services and accompaniment services to help with personal protection and psychological stability.

Please do not worry alone, actively utilize legal protection, and consult with a Gangnam criminal attorney about your case.