The charge is based on the credit analysis. If after having passed all the tests, taking into account all the requirements to acquire credit, the contractor enters into the level of default, the sector responsible for the collection may contact the person in question to deal with negotiations aimed at debt.
In some cases, the same professional analyst is the same that performs the collections and negotiations of debts. To deal with delinquent consumers, collection agents need to be very professional, especially to debtors who do not want to pay. The profile of the collection operator must meet several requirements, such as good verbal fluency, good appearance, education, previous preparation (knowing all the information about the debtor), trust, knowing how to listen to the debtor and so on. Currently, the collection of credit debts can be done through various channels such as: in person, by phone, email, and even social networks.