Improve your company's debt collections with WhatsApp messages

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The way debt collection managers communicate with their clients has changed.

Currently, one of the favorite means for this type of communication is WhatsApp, a powerful tool that has even displaced SMS.

What will you find in this text?

What is the reason for the rise of WhatsApp in debt collection?

Is it legal to use WhatsApp to collect debts?

What should I avoid putting in my WhatsApp collection message?

What information can I include in a WhatsApp message to collect a debt?

How can you make the most of WhatsApp's potential for debt collection?

What is the reason for the rise of WhatsApp in debt collection ?
There are many reasons. For example, one of them is that customers prefer to be contacted by text message rather than by phone. This option avoids interruptions while they are doing other activities. In addition, they are buy uk mailing list likely to check a message than return a call, especially if we take into account the large number of spam calls that are reported every day.

WhatsApp is a useful tool for debt collection , as most customers have this app installed on their phones. In fact, when analyzing our own behavior regarding this tool, we noticed that WhatsApp is one of the first apps we check when we wake up. If this routine has become ingrained, can you imagine how beneficial it would be to send a debt collection message first thing in the morning?

On the other hand, another reason why WhatsApp is useful for communicating with those who have accounts receivable with our company is that it not only allows us to send text messages, but the length of these can be longer than that of SMS; in addition, we have the facility to attach documents, images, videos or voice messages in our communications.

Now that you know how WhatsApp can improve your business's debt collection , in this section we want to answer the most frequently asked questions regarding debt collection with WhatsApp:

Is it legal to use WhatsApp to collect debts?
Yes, it is legal to use WhatsApp to collect debts in Peru . However, certain guidelines must be followed to avoid engaging in harassment or abusive practices. For example, it is not legal in Peru to write to the WhatsApp of a debtor's family member, friends or coworkers. It is also not correct to send WhatsApp messages for debt collection outside of legally permitted hours, send false documents or threaten to take legal action when you are not going to do so.

What should I avoid putting in my WhatsApp collection message so that it is not considered harassment?

In your WhatsApp debt collection message, you should avoid any phrases that sound intimidating or could be interpreted as harassment. For example, it is not appropriate to include phrases like “I am going to seize your debt” or demand payment within an unreasonable period. You should also not:

Include insults.
Discriminatory phrases.
Derogatory messages.
What information can I include in a WhatsApp message to collect a debt?
In a WhatsApp message to collect a debt , the following information can be included:

Creditor identification: Full name or company name, RUC or DNI number.
Debtor identification: Full name, ID number.
Debt Amount: Total amount owed, including interest and late payments (if applicable).
Payment due date: Date on which the debtor is expected to make payment.
Creditor contact information: Phone number, email.