What you’ll learn:

– Who are private debt collectors and what powers they (don’t) have
– What court executors can do legally
– How a lawyer represents a creditor
– What to do if someone contacts you about a debt
– How to defend against psychological pressure

🤖 Who is a “debt collector”?

Debt collectors in Czechia are private agencies or individuals hired by creditors to recover debts informally. They are not officials and have no legal enforcement powers – yet their tactics often push legal boundaries.

Typical behavior includes:

• frequent calls and text messages

• showing up at your home or workplace

• pressure tactics (“this won’t end well…”)

• intimidation (“we’re coming Friday at 6 PM”)

All without a court order or legal authority.

⚖️ Who is an executor (soudní exekutor)?

A court executor is a licensed official appointed by the state to enforce court judgments (enforcement titles). They have legal authority to:

• freeze your account

• garnish wages

• seize property

But they:

• must act within the law

• must notify you officially

• are subject to court supervision

Big difference? Executors have legal powers – but also legal limits.

⚖️ Who is a lawyer?

A lawyer represents a creditor legally. They:

• send legal notices

• file lawsuits

• represent clients in court

They must act professionally and cannot use threats. Their letters may carry legal weight – but you still have rights and the ability to respond legally.

⚠️ Real case: “they came and said they’ll take my TV”

Ilona got a call from a man who introduced himself as a “field representative.” He said that unless she paid within a week, they would come and remove furniture from her home. He had no court order. Afraid, she paid – only to learn later there was no legal claim at all. Today, she would act differently.

💣 Biggest mistake: paying out of fear

Many people pay collection agents just to get them off their back – without knowing whether the debt is legitimate, expired, or defensible in court. Collectors count on that.

🛡️ Lawyer’s advice

If you’re contacted by someone who:

• refuses to identify officially

• has no court decision

• threatens or visits you in person

Do not pay immediately. Find out who they are, what they’re asking for, and get legal advice. Sometimes it’s just intimidation with no legal basis – and paying could make it worse.