美国第三方债务催收的债务人权益保护分析

Analysis on the Protection of Debtor Rights and Interests of U.S.Third-party Debt Collection

第三方债务催收业的重要性随着我国银行不良债务增长和服务外包发展而日益凸显。当前我国银行委托债务公司催收不良债务的做法日益普遍,但我国的债务催收业发展不规范,致使债务人的正当权益时常受到侵犯。本文介绍了美国第三方债务催收业(个人)的最新发展情况,分析了美国加强该行业债务人权益保护的做法与特点,以期为促进我国第三方债务催收业规范发展及债务人权益保护提供借鉴。

The importance of the Third-party debt collection industry is increasingly prominent with the increase of China’s banking bad debts and the development of service outsourcing. At present, the practice that banks entrust debt collection companies to collect bad debts is increasingly common, but the debt collection industry development in China is still not standardized so that the debtors’legitimate rights and interests are often violated. The paper introduces the latest development of U.S. third-party debt collec-tion industry （personal）, analyzes its practices and characteristics of strengthening the protection of the debtors rights and interests so as to provide reference for China to promote the standardized development of the third-party debt collection industry and the protection of debtor rights and interests.