In Russia, collectors are not afraid to come to them, they are beaten on the head, so the only thing they can do to collect a debt is to constantly call by phone or sue, but even through a court it is not always possible. Debt collection is possible if it is officially issued only one person receives a salary on a bank card, and not in cash, since the lockman easily blocks the account. Many in Russia try to receive their salaries unofficially so as not to pay taxes, and the state could not write off the money if they suddenly could not pay off the loans.