Everyone is used to seeing annoying advertisements in their mailbox, and few people want to see a letter from debt collectors there. If the letter of “happiness” does arrive, what should you do and how should you behave?
What to do first?
Please read it carefully first. It is very important here to determine whether these are specifically your debts on bank loans or whether the letters are addressed to another person to whom you have no relation. Remember if a close friend asked you to act as his guarantor or if you had to take out a small loan at the request of an acquaintance.
This must be done because the algorithm of actions if you receive letters from debt collectors addressed to another person and what to do when you are the borrower are slightly different.
In any case, dial the number written on the paper and clarify all the information. Don’t let employees intimidate you from the very first minute; the law is on your side in any case, even if you are overdue.
Next, you need to call the creditor bank and find out whether the debt was resold to a collection agency. If the letter is an accident, then restructuring issues can be discussed, otherwise everything is a little more serious.
Then we take the letter and who will explain important points and will tell you what to do next. If you receive letters from debt collectors, in principle you should not communicate with them, especially if you have no idea what they want from you and do not know the debtor.
When the debt is yours, we examine the sheet again for phone numbers, the name of the organization, and carefully check the seal - is it wet or is it just a sheet printed on a printer? Without outgoing data, stamps and telephone numbers, this letter cannot be considered an official document, which means it has no legal force.
Often the signature and seal are simply reproduced on a color printer. We conclude that the collectors’ goal is to at this stage- just to intimidate you.
Reasons for letters
So, there is a debt and what to do if you receive letters from collectors? We contact the central office of your creditor bank and find out whether there was an agreement to resell the debt to a collection agency.
In any case, you have the right to receive a copy of such agreement. Based on this information, you can understand that you still owe the bank, and the collectors are just a fiction, or they are now acting as buyers of the problem debt and you only need to deal with them.
The second important point is how much exactly does it cost to pay? Collectors can easily add several thousand more to the debt, supposedly for their services, calling it penalties. They have no legal basis for this; any court will side with the borrower and cancel these markups.
But first, you should get a certificate from the bank that clearly states the amount of debt with all explanations.
Who should I pay and should I pay at all?
As a rule, people get scared and don’t know what to do when they receive a letter from debt collectors. Some try to pay off the debt using the specified details, but under no circumstances should this be done. The reason is simple - according to the law, since the debtor agrees with part of the debt, then he agrees with the entire amount.
Thus, any ruble that you deposit into the agency’s account is an agreement with the debt. Moreover, a simple piece of paper without a wet stamp is not a basis for making payments.
Anyone can forge such a certificate, but it is almost impossible to prove that it came from debt collectors.
There is one more trick: on the paper they will indicate to you the amount of debt of 50 thousand, but in fact there has long been 100 thousand, but you have already agreed with the amount of debt. In such a situation, the law will not help; the amount of debt should have been checked in advance. Therefore, we do not recommend paying in the following situations:
- you do not agree with the prescribed amount of debt;
- collectors have no legal basis on which they can demand repayment of the debt;
- the letter has no legal force.
Reply or ignore?
Are you wondering what to do if debt collectors have sent you a letter and whether you should respond to it? There's a couple here too possible options. Any word you say can be used against you in the future, so you need to answer if you can write a letter correctly and legally.
It would be best to send them back a copy of a certificate stating that you have no debt or simply ignore the letters. The main thing is don’t panic!
The size of your current debt cannot increase several times, but if there was no debt at all, it will not be pinned on you. But just in case, it makes sense to get legal advice.
Finally
Don’t panic, but still get ready for the fact that such letters are just the beginning. There will be phone calls and personal visits next, so it makes sense to get involved in debt restructuring at an early stage. In the future, they can cause considerable stress not only to you, but also to your family, friends and even colleagues.
Immediately minimize the risks of extortion and rudeness in general, inform that you will keep records of all negotiations and use them as evidence. In any case, you need to ask the collector on what grounds he demands something from you in writing or over the telephone.
Lawyers do not advise entering into correspondence with such extortionists, since most likely the psychological pressure on the borrower will only increase.
Never trust the promises in the letter! Often they may say something like “We have a unique offer - you need to pay only 25% or 30% of the debt amount, and the rest of the debt will be written off automatically and there will be no claims against you.” This is a lie, do not transfer money to dubious accounts.
The court can help resolve the situation; the plaintiff can be either the debtor himself or collection agencies. Depending on the circumstances of the case, the debtor will either be helped to get rid of excessive fines and pacify the collector, or the client will be obliged to pay the debt to the creditor. For unreasonable demands, collectors will most likely hear a refusal.
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By January 20, the Ministry of Taxes and Duties had to send out all notices of payment of the tax on parasitism for 2015. Almost every tenth Belarusian from among the economically active population is a parasite. the site explained in detail with gifs what to do if you suddenly found a “chain letter” in your mailbox. And, if you know everything about this tax, you can just enjoy the pictures!
Having received a “letter of happiness”, the main thing is not to panic right away. Tax officials have received 400 thousand notices about the payment of tax on parasitism, but your case, like many others, may well turn out to be. You can sleep peacefully if you have a permanent job, where you have worked for more than six months, and also if you are an individual entrepreneur (who carried out activities at least 183 days a year) or as a craftsman, lawyer or notary, engaged in agroecotourism or, living in rural areas, running a subsidiary farm. Children under 18 years of age, pensioners, full-time students (part-time students, if not working), disabled people (regardless of the group) and those who have been on sick leave for a long time are exempt from the tax. The full list of those who are not considered parasites can be found in the text of the decree. But even if you do not have a permanent job, there is still a chance of not paying. For example, if you worked as a freelancer, providing contract agreements. True, the amount of remuneration under these contracts must be at least 70 basic units (1,260 rubles in 2015). If your rewards are lower, your fee may be reduced. If you are an artist, writer or representative of another creative profession, you don’t have to pay tax only if you are a member of a “core” creative union. You don’t have to pay tax if you lived abroad for more than 183 days a year and can prove it. It is not necessary to return to Belarus for this purpose - you can write an electronic appeal through the Ministry of Taxation website and attach documents confirming your absence from the country: tickets, certificates from embassies and consulates, stamps in your passport if available, certificates from your place of work, place of registration, etc. .Recently on maternity leave - athletes of national teams and those who perform alternative service are no longer considered parasites. True, the decree has been tightened for housewives: parents who raise children under 7 years old will not pay the tax on parasitism only if the child does not go to school. kindergarten. Also, according to the amendments, those who are in “ difficult life situation" True, what kind of situation this is is not exactly clear - it’s up to the local authorities to decide. Alas, in all other cases, according to the state, you are a parasite, so you’ll have to fork out 360 rubles. You have 30 days from the date of delivery of the notice or, if it was sent, to pay the tax by registered mail, 10 days after the departure date. By the way, the deadline for paying the fee was extended this year until February 20, 2017.
Some believe that the tax on parasitism violates the rights guaranteed to Belarusians by the Constitution and the country's international obligations. Such “parasites” write complaints about violations of their constitutional rights to the tax office, demanding that they be exempted from paying the tax. There is, of course, almost no chance that you will be allowed not to pay tax. At the same time, the opposition is calling on the authorities to repeal the decree, is collecting signatures for this, and is even planning to hold a “March of Parasites” in the spring.
Laying low and simply not paying taxes will not work. For failure to pay, you may be fined from 2 to 4 basic units or subject to administrative arrest, during which you will be sent to public detention. useful works. The fine, by the way, does not exempt you from paying tax. If you worked less than 183 days in 2016 and are waiting with bated breath for a “chain letter” this fall, you can go to the tax office and turn yourself in. For honesty you will receive a 10% discount.
A letter with a Federal Tax Service stamp is perceived by entrepreneurs as news from an evil khan collecting extraordinary tribute. There can be nothing pleasant in a letter from the tax office, that’s a fact. However, there is no need to panic - the tax authorities are not knocking on the company’s doors yet.
What are they writing about?
The letter usually contains one of four demands:
- about paying taxes;
- about providing explanations;
- on introducing clarifications into the tax return;
- about appearing at the Federal Tax Service office to give testimony.
Let's look at the procedure in each of these cases.
Request for payment of taxes
Letters with such a requirement are sent to those taxpayers who, in the opinion of the Federal Tax Service, have not paid a particular tax in full. You should immediately raise the relevant tax return and payment order to pay for it. Check the basic data on these papers:
- the amount of tax accrued according to the declaration;
- the amount transferred under the payment order;
- all payment details.
If there really is an error, you will either have to pay additional tax or draw up and send an updated declaration to the Federal Tax Service. After this, you should personally contact the inspector who signed the letter. You don’t need to come yourself, just call him on the phone and briefly describe the current situation and the measures you have taken. This is not a mandatory, but desirable step - it is better to let the inspector be aware of the matter.
If you do not find an error, call the tax office anyway. Most often, it turns out that there really is no mistake and there never was, and the misunderstanding with the letter was the fault of the tax office. It may be caused, for example, by confusion with the deadlines for filing a return and paying taxes.
How does this confusion arise? Let's assume that an entrepreneur submits a declaration and pays tax on the same day, the 30th. The declaration is immediately reflected in the taxpayer’s card, but the payment order becomes “visible” only after the Federal Tax Service employees have processed the bank statement. This statement arrives only the next day. As a result, a “window” arises, to which tax authorities respond in their favorite way - by sending a written notification.
If there are enough funds in the company's current account to pay the tax, there is no point in delaying payment until the last minute. Make a payment in advance, and the likelihood of receiving unpleasant messages will decrease.
Request for explanation
A letter from the tax office requesting clarification comes in two cases:
- tax authorities have found contradictions and errors in your tax return;
- The Federal Tax Service has determined that your company meets one or more “negative” criteria.
A complete list of these criteria can be found in the “Concept of a planning system for on-site tax audits” (see the article “In what cases should you wait for a tax audit”).
If the letter is a notice without specific requirements, it can simply be noted. It is not necessary to answer. However, if the request is stated clearly and unambiguously, you must provide any required explanations as quickly as possible. The law allows only 5 days for this. If you do not meet this deadline, it may even lead to an on-site inspection.
Procedure
So, if a letter notifies you of errors and inaccuracies in tax data and calculations, you need to follow the following algorithm:
- make copies of documents related to financial business activities (yours or the counterparty, if required) for the period specified in the tax request;
- draw up a cover letter (indicating the number of sheets);
- number (if there are several sheets) and staple all copies of documents;
- certify the bound papers with the signature of the manager and the seal of the company;
- send the response to the notification prepared in this way to your department of the Federal Tax Service.
The cover letter is always prepared in two copies. One will remain with the tax office, and the other will be returned to you with a receipt stamp. The cover letter must:
- briefly describe the situation;
- if necessary, provide detailed explanations for each of the controversial or unclear points;
- indicate the name and surname of the performer, as well as a contact phone number.
Documents prepared and neatly placed in a folder (along with cover letter) must be taken to the Federal Tax Service department. It is advisable to hand them over personally to the inspector whose details are indicated in the letter you received. It is not worth sending papers by mail - it is not a guarantee that they will arrive on time. Don’t be lazy and bring them in person or send a representative. And don't forget, you only have 5 days.
Not meeting criteria
There are 12 criteria for the “integrity” of a company – from chronically unprofitable reporting to a high level of tax risks. It would be logical to conclude that your organization does not meet at least one of them, since ideal companies are found only on paper. What should you do if a letter from the tax office notifies you of violations more abstract than discrepancies in financial indicators?
Unfortunately, it is impossible to draw up specific instructions - problem situations vary greatly from company to company. You can only give general recommendations, which are likely to be useful for any entrepreneur.
- Conduct a financial analysis. Determine the average amount you pay to the tax authorities now. Decide whether it is worth paying more in your case to reduce tax risks ( high level tax risks are what Federal Tax Service employees dislike the most).
- Reassure the tax authorities that you have taken note of their notice and are ready to take the necessary measures. Explain the reasons for the unfavorable situation (here you can refer to both objective external factors and specific features of your company). The answer should be as comprehensive and detailed as possible. Be sure to attach documents to your letter that support the arguments presented in it.
- Check your counterparties (at least the main ones) and collect basic data on them. This can be done by receiving an extract from the Unified State Register of Legal Entities on the official website of the federal tax service. It may be necessary to interrupt with some counterparties business connections so as not to discredit the company.
- Analyze your work patterns with partners (especially those who, in your opinion, have a greater chance of coming to the attention of the Federal Tax Service).
- Check the status of the company's assets. You may need to secure them in one way or another.
It is advisable to carry out all these procedures within a month. If nothing changes during this period, inspectors may decide to conduct an on-site tax audit against you.
Requirement to make clarifications in the declaration
In letters of this kind, tax authorities demand to “decipher” one or more individual indicators in the declaration. This is routine accounting work: check whether the indicator is calculated correctly, draw up an explanatory letter, send it to the Federal Tax Service... If an error was actually made on your part, correct it in accordance with the requirements and submit an updated declaration.
Requirement to appear to testify
This requirement is made in cases where tax authorities find a particularly serious violation in the activities of a company (according to the same notorious criteria mentioned above). The letter sets a date and time when the manager must appear before the inspector or a special tax commission. If you cannot come on the appointed day, agree with the inspector to change the date by phone. Most likely, they will accommodate you (if you ask to reschedule the meeting for a good reason).
It is difficult to predict how the meeting and negotiations will go. Perhaps a call to the Federal Tax Service is a simple formality, and for half an hour you will talk with the inspector “about nothing”, after which you will calmly leave. Maybe a whole commission will gather that will interrogate you with passion. Quite often, tax officials invite directors of “newborn” companies to get acquainted and get a general idea of the leaders. At such meetings, the inspector will ask you about the company's plans, tax regime, likelihood of claiming tax deductions, etc.
In any case, before going to the tax office, carefully prepare:
- check with your accountant (if you have one) all the nuances of the company’s financial activities;
- collect documents related to the issue for which you are being summoned;
- Prepare convincing reasons and arguments.
And remember: the message from the Federal Tax Service does not foretell the apocalypse. The main thing for the director is not to do anything stupid after receiving a letter from the tax office. Study the requirements of the tax authorities in detail, if necessary, call them and clarify the details. Act in accordance with the recommendations outlined in this article, and you will soon be able to eliminate any tax misunderstandings that have arisen.
]Hello!
Lately, I have often been reading questions from various users related to email and messages to this email that suddenly stopped coming from LiRu. Today I will try to give advice on how to try to solve all the problems associated with this myself.
And I’ll put this in the form of a geometry lesson.
Hello children!
Today we will prove a theorem. But what is a theorem without axioms, right? Our today's axiom is very, very simple, but at the same time it is very, very often forgotten. Let me write it here in capital letters.
Axiom: "There are no miracles" . I hope you can easily remember these 3 words. I especially want to emphasize the first one. Yes Yes! The word "miracles". They don't exist. There are glitches, bugs, force majeure circumstances and much more. But - not miracles. At the risk of offending the feelings of believers, today we will take the absence of miracles in everyday life as an axiom.
Theorem: " If you have stopped receiving letters from LiRu, then either your mail settings or your settings for LiRu are to blame ".
And based on the voiced axiom, which, if you have suddenly forgotten, sounds like “Miracles do not happen!”, Let’s try to prove this theorem.
Part 1. LiRu settings
First you need to go .
If everything looks like this for you, then everything is fine with your mail settings. And LiRu sends you letters to your email address:
Pay attention to which address your mail goes to (red frame). If you this address Email not satisfied, click the link " "to the right of the address and change it. You can read about this in great detail in the message" ".
Also, pay attention to whether LiRu sent you any letters or not. And were they all delivered to you (blue frame). If you sent letters and they were delivered, then you have problems setting up your mail. And you need to continue reading a little lower with the words "Part 2. Your mail settings."
But maybe instead of the settings shown in the screenshot, LiRu shows you this:
This means your email address has not been verified. Why? I have no idea. Let's not talk about abstract topics, but rather talk about how to confirm your email address.
Everything is simple here. You need to indicate your address in the place circled in blue in the picture. And then click on the "".
After some time, come to your indicated Mailbox you will receive a letter something like this:
Open it. And this is what you will roughly see there:
I hope there is no need to give any explanations here? You click on the link that is given in the letter as many as 2 times and confirm your email address. After clicking on the link and going from the mail to the LiRu website, you will even be shown a tooltip:
Okay, we sorted out the email address. Now let's look at yours.
You need to go and carefully look at whether everything is correct in the following sections of these settings: 
, 
And 
.
I repeat: go and see. No, I understand that “you didn’t change anything.” But, excuse me, I didn’t ask you whether you changed anything in the settings or not? I just asked go and see. And if something is suddenly configured wrong, then change it the way you need it. And, if suddenly you had to change something, do not forget to press the button after that 
" at the bottom of the page.
Attention! If you receive messages by email, but not from all your friends on LiRu, I recommend checking" ".Part 2. Your mail settings
What settings of your mail can influence the fact that letters arrive in your mail, but are not shown to you?
As a rule, there are 3 such settings: spam settings, blacklist settings, mail filter settings.
You need to go to each of these settings and check if the following 2 email addresses are listed there: " news@site" (the "news sheet" comes from this address) and " dnevnik@site"(everything else comes from this address). How to do this? I think that you need to find the "Help" or "Help" section of your mail and read about it there. A link to this and my other tips on LiR can always be found in the message " ".
Alexander-657
Good afternoon. The offense charged is parking on the sidewalk, recorded by so-called public inspectors. I stood unloading cargo at the entrance of a residential building (there was no other place to stop, I work alone). I have documents for the cargo on that day. I’ll find out
Naturally, by chance, no letters. The deadline for appeal has passed. What should I do?
Alexander, Hello.
If violations were committed 1.5 years ago, and decisions were made only now, then it makes sense to challenge them.
If the decisions were made in 2017, but for some reason only reached you now, then in this case the deadlines for attraction have not been violated.
In general, to get more detailed information in the case, it makes sense to contact the department that issued these decisions. Only the staff knows why the letter was so delayed.
Good luck on the roads!
Hello. Tell me, should I pick up the notice at the post office about the fine if I have already paid it, since I received a notification from an application on my phone. What happens if you don’t pick it up and it goes back to the traffic police?
Egor, Hello.
If you are sure that this is the same fine, then you may not receive the letter. There will be no negative consequences in this case, because the fine has been paid.
Good luck on the roads!
Rafael-8
Good evening. If I received a fine through the app and paid it immediately, will I receive a letter from the traffic police by mail?
Raphael, Hello.
It is possible that a letter will arrive. The letter is not sent if the car owner is registered on the portal public services and decisions are sent electronically.
Good luck on the roads!
Andrey-413
I found out late about the fine for allegedly repeatedly running a red light (video recording is not provided on the traffic police website). There are 2 days left before the 60 day period expires, so I want to pay to avoid doubling the amount. Is it possible to challenge the decision after paying the fine, although I do not agree with it: 1 - no evidence has been presented, 2 - a violation is possible, but in the first case there was another driver, so this cannot be a repeated violation. How does the traffic police even count repeated violations if they don’t know who was driving?
Andrey-413
What does "by number" mean? I agree that it is better to pay now. There’s one thing I can’t understand: on what basis does the traffic police determine that the violation is repeated? After all, the violation is not committed by the car, but by the driver, and these can be different people in one or another case.
Andrey:
1. You can pay the fine and then try to challenge it. If the fine is canceled, the money will be returned to you; this is common practice.
2. For violations imposed by automatic cameras, the owner of the vehicle is held accountable by default. If another driver was driving, he must contact the traffic police and report that it was he who was driving. In this case, the fine will be “rewritten” on him.
3. If during the first violation there was another driver behind the wheel, then this issue had to be dealt with immediately. If the first fine was not disputed and was paid, then it is considered that you were driving.
Good luck on the roads!
Maxim-176
How can I check a fine for driving without a license if I have never had one?
Maksim, in this case, all that remains is to contact the traffic police department to obtain information.
Good luck on the roads!
Tell me, I got into an accident, the culprit left the scene of the accident, 2 weeks later they called the traffic police and my husband was accused under Article 12.27 Part 2 without any evidence, the report at the scene of the accident was drawn up by the employees for me, later we found out that the report from the scene of the accident was changed, or rather my data They crossed out and wrote down my husband’s data without warning us about this. We won in court. The employees wrote appeals twice, but it was useless, and now, 4 months later, my husband received a fine for driving a car without a license. in the amount of 5 thousand, the protocol was issued on September 7, signed on top with a pen on December 13, tell me what to do
Olga, does your husband have a driver's license? And what does it have to do with the accident?
Hello, I had a question, I did not receive a letter at my place of actual residence and the fine did not arrive for 4 months, now I found a fine on the government services portal. I really violated and it was filmed on a phone camera, the person filming me was in a civilian car, I drove into the oncoming lane, because I didn’t notice any signs or markings that turned into solid (in this case, what can be done?
Hello.
The situation is not entirely clear. Was the violation registered without your presence?
Good afternoon. Tell me, I received an SMS, what’s wrong? bank card The bailiffs deducted money from me. I found out through the Internet that this was last year’s fine. But I didn’t know anything about it. On the state. services is not registered. I immediately paid the fine, but they did not take this into account and took extra money from the card. What should I do?
Julia, Hello.
If money for the same fine was collected again, then it makes sense to contact the bailiffs to return the overpaid amount.
Good luck on the roads!
Ekaterina-115
Hello! Yesterday I also received a message from Sberbank that they had withdrawn 500 rubles from me. For enforcement proceedings. Accounts were seized. I did not receive notifications about this fine either by mail or on the government services portal. About the fact that a case has been opened against me. Production too. How can I prove that I was not notified of the fine?
Catherine, Hello.
Go to the bailiffs, read the case materials. There should be information about how and when you were notified.
Good luck on the roads!
Please tell me if I pay the fine through government services, will the letter come to the post office or not?
Tasha, if the letter has already been sent, it will be sent by mail.
If the letter was not sent, then it is quite possible that it will not be sent.
Good luck on the roads!
Good afternoon.
On 02/11/19, a notification arrived in the mailbox that a fine had arrived in the mail, it turned out to be a fine according to the resolution of 09/18/2018 with the payment of 2500 rubles. I think the question about the fact that I have already been deprived of discounts is no longer relevant. I paid the fine immediately.
On 04/15/19, a notice again arrived in my mailbox, containing a copy of the court decision in the case of an administrative offense, holding me administratively liable for 5,000 rubles for failure to pay on time exactly that fine dated 09/18/18.
The question is how to proceed?
In fact, the notification came after the deadline for paying the fine.
I paid the fine upon receipt of the decision in hand.
The sent copy of the court order dated April 15, 2019 contains errors - my date of birth and the date of the order are incorrectly indicated.
Anton, Hello.
If you have confirmation that you received the decision on February 11, 2019 (a mail document with a date), then it makes sense to challenge the fine for non-payment.
You received the decree on 02/11/2019, on 02/21/2019 the decree came into force, within 60 days you could pay the fine.
This issue is discussed in the article "".
Good luck on the roads!
Hello! On 11/15/18 we sold the car with a purchase and sale agreement filled out at home. In January 2019, we found out that the new buyer of the car did not re-register it in his name. We deregistered the car on January 29, 2019 at the traffic police, but they didn’t tell me about the presence of fines. And on 05/09/19 my accounts were seized due to a court order of 500 rubles. There were 300 rubles on the card, they went towards repayment, i.e. balance 200r. There was no fine for public services. Legal debts for public services appeared on May 10 - 2 pieces for 500 rubles. And today I discovered in government services that one resolution is no longer 500, but 1500. I didn’t even know about these fines, and now the enforcement fee has also increased. Is it possible not to pay these fines or at least pay only the fines without the enforcement fee?
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