Arbitrary Debt Collector? Know Your Rights and Protect Yourself from Illegal Collection!

Legal Implications of Collection Without a Special Power of Attorney

A debt collector who collects debts without a special power of attorney has the potential to commit an unlawful act, as regulated in Article 1365 of the Civil Code. This unlawful act occurs if:

• There is an act that violates the law.
• There is an error committed by the perpetrator.
• There are losses suffered by the victim.
• There is a causal relationship between the perpetrator's actions and the resulting losses.

If the debt collector continues to collect debts without a special power of attorney, the act can be considered a criminal act of extortion and threats, as regulated in Article 368 of the Criminal Code. This article threatens the perpetrator with a maximum imprisonment of 9 months.

The use of debt collection services by financial service providers (PUJK) must comply with strict rules, including a cooperation agreement and a special power of attorney. Violations of these provisions can not only result in severe administrative sanctions for PUJK, but can also create serious legal problems for debt collectors. The public needs to better understand their rights in the face of debt collection actions that do not follow procedures, to protect themselves from arbitrary and unlawful collection practices. With a better understanding of these regulations and legal implications, it is hoped that the public can be more proactive in reporting non-compliant collection actions and demanding better protection from the authorities.

Penggunaan jasa debt collector oleh PUJK harus sesuai dengan aturan yang ketat, termasuk adanya perjanjian kerja sama dan surat kuasa khusus. Pelanggaran terhadap ketentuan ini tidak hanya dapat mengakibatkan sanksi administratif yang berat bagi PUJK, tetapi juga dapat menimbulkan masalah hukum serius bagi debt collector. Masyarakat perlu lebih memahami hak-hak mereka dalam menghadapi tindakan penagihan yang tidak sesuai prosedur, untuk melindungi diri dari praktik penagihan yang sewenang-wenang dan melanggar hukum. Dengan pemahaman yang lebih baik mengenai regulasi dan implikasi hukum ini, diharapkan masyarakat dapat lebih proaktif dalam melaporkan tindakan penagihan yang tidak sesuai dan menuntut perlindungan yang lebih baik dari pihak berwenang.