If you owed money to a store or the bank, what did they do? They called you every five seconds, but if your phone line gets suspended… will they still find you? Well, this is the new plan collection agencies are considering following the cellphone registration process… they are considering the possibility of going to your home. Let’s take a look.
What concerns do collection agencies have about cellphone registration?
The mandatory registration of telephone lines in the country has generated significant concern within the debt-collection sector. Alan Ramírez, president of the Association of Professionals in Collection and Legal Services (APCOB), spoke with Jaime Núñez on Fórmula Noticias about the issue.
Ramírez expressed deep concern about the economic repercussions of this line-cleanup process. The sector bases its operations on a very strict premise: without contact, there is no recovery.
According to data from the association, 8 out of every 10 pesos currently recovered by the collection industry are managed through mobile channels, whether through telephone calls, SMS messages, or the use of WhatsApp.
The loss of this direct communication channel threatens to drastically disrupt the flow of money being recovered, transforming processes that previously took days into efforts that could take weeks or end in a total loss of the credit.
Are collection agencies going to go door to door?
Faced with the inability to establish remote contact, collection agencies are considering returning to traditional methods that involve greater logistics and operating costs.
Everything is based on an old-school principle: going to the debtor’s home, but as Ramírez points out, this is still only an idea.
“Perhaps one of the strategies we are considering is that home visits will return, collecting directly at the person’s home,” he explained.
This alternative seeks to address the gap left by digital disconnection, although it represents a step backward from the technological efficiency the industry has achieved in recent years.
In addition, there is concern about possible abuse by certain sectors of the population, who could use the suspension of their telephone lines as an excuse to evade their financial obligations.
Ramírez emphasizes that the loss of these negotiation channels affects not only companies, but also debtors who lose the opportunity to regularize their situation through prior agreements.
For this reason, APCOB has called on authorities to ensure that line-registration and reactivation processes are efficient, seeking to minimize the negative impact on a mechanism they consider vital to Mexico’s financial ecosystem.
Source: radioformula
