협박은 일상, 심하면 칼부림까지...? 22년째 '떼인 돈 받아드립니다'😖 [#진격의언니들]ㅣ8화

Summary

In this video, Lee Seong-hun, a debt collector with 22 years of experience, shares his experiences working in a misunderstood profession. He explains how credit information companies operate, distinguishing them from loan sharks and gangsters. He discusses the challenges and misconceptions he faces, from personal relationships to celebrity debt issues. Lee also emphasizes the importance of legal procedures in debt recovery and the emotional toll of his work. Despite the difficulties, he remains committed to helping people understand their rights and avoid falling victim to scams.

Takeaways

• 😀 The speaker has been working as a debt collector for 22 years at a credit information company, which is often misunderstood as being involved in loan sharking or gangster activities.
• 😀 Despite misconceptions, the speaker clarifies that their job is legal and aligned with the Financial Supervisory Service's regulations to collect debts legally and professionally.
• 😀 Debt collection often involves legal procedures like filing lawsuits, obtaining court judgments, and working with official channels, not illegal or violent methods.
• 😀 The speaker describes the challenges of working in a field where misunderstandings about their role lead to social stigma and personal isolation, even from family and friends.
• 😀 A significant portion of the debtors the speaker works with have no assets, jobs, or bank accounts, making it difficult to collect on the debts.
• 😀 Celebrities are mentioned as debtors who may face difficulties with investments and loans, highlighting that even people with public images are not immune to financial troubles.
• 😀 The speaker shares the emotional toll that debt collection can take, explaining the personal dilemmas and the stress of dealing with both debtors and creditors.
• 😀 The process of debt recovery can involve creative solutions such as helping debtors find part-time work, offering them a chance to rebuild their financial stability.
• 😀 The emotional side of debt collection is emphasized, with the speaker recounting personal experiences where their safety was threatened, and they felt uncertain about continuing in the profession.
• 😀 The speaker expresses a desire to help others avoid falling victim to financial scams by educating people, especially children, about financial literacy and the potential dangers of blind trust.

Q & A

What is the main misunderstanding about the narrator's job?

The main misunderstanding about the narrator's job is that people think he works as a loan shark or a gangster. However, he clarifies that he is employed by a legal credit information company that handles debt collection in a regulated manner.

How does the narrator describe his role in debt collection?

The narrator explains that he works as a debt collector at a credit information company affiliated with the Financial Supervisory Service. His job involves legally collecting debts and helping people recover money through proper legal procedures, not through illegal means.

What were some of the challenges the narrator faced when starting his career?

When the narrator first started his job 22 years ago, he faced social stigma and disdain from friends, relatives, and in-laws who assumed he was part of a criminal organization due to his profession. This caused emotional and social strain.

What was the turning point for the narrator's in-laws to trust his profession?

The turning point came when the narrator helped one of his relatives recover money from a scam using legal procedures. This demonstrated his professionalism, which gradually earned him trust and respect from his in-laws.

What is a promissory note, and how is it used in debt collection?

A promissory note is a written, legal document in which a borrower promises to repay a loan under specified terms. In debt collection, it serves as proof of the debt, and legal action can be taken to recover money if the borrower fails to pay.

How does the narrator handle debtors who have no assets or bank accounts?

When dealing with debtors who have no assets or bank accounts, the narrator suggests helping them find part-time jobs or opportunities to earn money. This is aimed at eventually recovering the debt, providing a second chance for the debtor to rebuild their finances.

Why do some celebrities get involved in debt issues, according to the narrator?

Celebrities often become involved in debt issues due to their public image, leading them to invest in businesses like food services or franchises. However, these ventures sometimes fail, leaving them unable to repay loans, as seen in the narrator's personal experience with a celebrity.

What is the most common scam the narrator encounters in his work?

The most common scam the narrator encounters is the phone scam, where debtors are promised high returns on investments (e.g., 40-50% interest) but eventually lose their money. This often leads to the involvement of friends and family, resulting in further financial losses.

How do debtors sometimes react when they are unable to repay their debts?

Debtors sometimes react angrily and aggressively when they are unable to repay their debts. Some even resort to violent threats or hostile behavior, as demonstrated by a debtor who threatened the narrator with a knife after failing to fulfill a repayment.

What is the narrator's perspective on the emotional toll of debt collection?

The narrator acknowledges the emotional toll debt collection takes on him. He shares how dealing with aggressive debtors and being misunderstood by others has caused him significant stress and doubt about continuing in the profession, especially when he worries about his own safety and his family's well-being.