Debts for utility bills bring a lot of trouble to the population. For example, a person may be left without light and heat. But such measures are found among tough defaulters. Nevertheless, the presence of debt for the "communal" makes the sale of real estate impossible. How to check about debt? When does it occur? Will debts be collected from citizens? The answers to all this and not only will be necessarily considered below.
Duty is ...
The first step is to understand what we will deal with.
Debt for utility bills - this is an untimely payment of receipts or non-receipt of a certain amount of money for the "communal" in a given billing period. Usually a calendar month is meant.
It is important to remember that debt only appears after late payments. Until this time, citizens can not worry about the consequences of non-payment of bills.
In the sent payment orders in the section "Total for payment" show the current debt. But it will be considered open only after a certain day of the month.
When to pay bills
The term of debts on utility bills raises many questions among property owners. But why?
When citizens pay out payments to pay for utility bills, in the column "Total" indicate the debt on the day of the notification. This is not quite a duty. The indicated amount is charged for the previous billing period. And the receipt must be paid up to a specific date. Then there will be no real debt.
The bulk of payments are required to be made before the 25th day of each month. In separate cases - up to the 10th. Until the indicated moments, the amount indicated in the payment order is not considered a debt.
Debt arising
Utility debts appear after the 25th day of each month. But first, the owner is given a chance to improve.
For example, a person is sent a second payment notification for payment. The document will indicate the deadline by which the transaction is required.
If after repeated notification the owner ignores the letters, the debt can be considered open. As a rule, debts in a communal apartment with consequences begin when transactions are delayed for more than 2 months.
Limitation of actions
The term of debts on utility bills is not eternal. The thing is that under certain circumstances, debt can burn out.
We are talking about the limitation period for the delay of the "communal". In Russia, the statute of limitations on debts is 3 years. Accordingly, if a person thinks about how to write off debts on utility bills, he needs not to pay bills for at least 3 years. After this person will be freed from the old burden.
In real life, to achieve a similar result, living in an apartment with delays in the "communal" is almost impossible. After all, management companies and suppliers can disable the services offered. And life in the house will become impossible.
About collection
A few words about how the collection of debts for utility bills occurs. This is an extremely important point.
Ideally, paying bills is required on time. If the owner has a delay, you will have to face debts. They entail a number of negative consequences.
The collection of funds, as a rule, occurs through the court. Some companies turn to collector services.
Direct collection of money is carried out through the bailiff service. The relevant authority may:
- write off part of the funds from the accounts or cards of the debtor;
- seize property.
These are the most common scenarios.Additionally, for long delays of the "communal" interest is charged to the account. This is a kind of fine, which is increasing every day.
Verification Methods
An apartment with utility bills is a serious problem. Especially if the owner decides to sell the property.
You can verify the personal account of real estate:
- through the Internet;
- personally.
To cope with the task is proposed by the following methods:
- Turning to the help of terminals / ATMs;
- Having appeared in the bank to which you need to transfer money;
- take advantage of online banking;
- by calling the management company / service provider;
- by contacting the management company / service provider directly;
- through "State services";
- through third-party Internet services.
These are the most common scenarios. Public utility debts are often checked against payment orders. In the sent notifications there will be a line "Debt". Here you can see how much you will have to give to the management company in one case or another.
Personal appeal
Checking utility bills is pretty easy. Let's start with a personal appeal to the management company or to the organization that delivers these or other services.
The owner of the premises will need:
- Take along a number of documents - passport, payment order.
- Contact your UK or supplier.
- Name the personal account number or address of the accommodation.
- Ask for information about the current status of the personal account.
Within a few minutes, the citizen will be informed of the amount of the debt, if any. The debtor will be told how much to pay off the debt.
Important: sometimes the applicant may be required to prove evidence of ownership. Usually such a requirement does not occur. Data on the owners of apartments is in the databases of management companies.
Calling by phone
We already know the statute of limitations for utility bills. But how can I check the personal account of the apartment?
Some use telephones to accomplish the task. The owner needs:
- Call the management company or the organization from which the payment came.
- Inform the operator of your intentions.
- Give personal data, as well as the address of the apartment and personal account number.
If the debt takes place, the employee of the management company will report this. Fast, easy, convenient and free!
Going to the bank
The next method is an appeal to the bank to which you want to transfer funds. Usually, the relevant information is contained in the payment order.
A person needs:
- Contact the bank.
- Present passport.
- Name the personal account number of the apartment. It is indicated in the payment.
- Wait a few minutes.
This technique is not in great demand. But it allows you to quickly get information of interest to the citizen. Bank employees often report for which billing period they have debt.
Government Services and Checks
How to write off debts on utility bills? This is a rather problematic task, which is not very common in real life.
But checking debt for utility bills will not be superfluous. It can be implemented through the portal "Public Services".
The action algorithm includes the following steps:
- Registration on the website gosuslugi.ru.
- User profile confirmation.
- Authorization on the portal.
- Go to the block "Charges".
- Click on the line "Personal Accounts".
- Indication of payer code. It can be seen in the payment for utilities.
- Performing a debt search. To do this, indicate the supplier company. Similar information is also in the payment.
At this stage, the action ends. Information on the debt for the apartment and the period for which you will have to transfer the money will appear on the screen. You can immediately start repaying the debt. For this, there is a separate button on the State Services.
ATMs or terminals
Another technique is the use of terminals or ATMs to accomplish the task. A similar alignment is found in real life quite often.
The debtor will have to:
- Get started with ATM.
- Go to the menu block responsible for the payment of "communal".
- Indicate the personal account of the apartment. It is advisable to prescribe a billing period.
- Select the services for which verification is required.
- Wait a while.
After the debt is discovered, the inspector will be able to pay it by credit card or in cash. This technique is chosen by many citizens.
If you want to pay a specific bill for an apartment, you can search for a payment by barcode. To do this, in the ATM menu, select "Recipient Search" - "By barcode", and then the person must bring the payment order with a special bar strip to the reading beam. All data from the receipt will be automatically read.
Company sites
Suspects Utility Payments Debt? What to do in this or that case? Residents must understand whether they really did not pay the rent on time. Today this problem is solved very quickly.
For example, you can turn to the help sites of management companies. Such services in real time allow you to search for information about the personal account of the apartment.
The manual will look something like this:
- Go to the website of the respective company. The address can be seen in the specific payment order.
- Go to the block designated for checking debts on utility bills.
- Specify information requested from the user. Usually this is the address of the accommodation, personal account number and full name the owner.
- Click on the button responsible for starting data verification.
After some time, information on the status of the personal account at the moment will be displayed on the screen. This alignment in reality is not used too often.
Mail, Post, Mail
But that is not all. Citizens can easily check debts for an apartment according to the owner of the premises. It is advisable to have a payment order with you. But if he is not, it does not matter.
In order to verify utility payments debts, the applicant will have to:
- Contact any post office.
- Report Name owner and address of the apartment.
- Get information from employees of mail about debts.
This is the simplest, but rather long method of solving the problem. As a rule, postal workers try not to disseminate information about other people's debts to third parties. Therefore, it is better that all actions are carried out either by the owner or by a person living in a "problem" apartment.
Debt for internet
We will pay special attention to such a utility service as the Internet. It is difficult to imagine a modern family without him.
In order to see the debt for the Internet, you can use all the methods listed above. But there is one more solution - this is the study of the "Personal Account" offered by communication companies to all their customers. Through this service, it will be possible not only to learn about the debt, but also to pay it.
For example, the site "Rostelecom" offers to act in this way:
- Go to the Rostelecom website.
- Log in to the "My Account".
- Go to the "Account Status" section.
- View information on the screen.
Perhaps the most difficult moment is pre-registration in the "My Account". But she has nothing to do with checking debts.
Debt for an apartment - is it possible to sell housing
It is theoretically possible to sell an apartment with a debt for utility bills. By law, the owner has the right to dispose of the property as he wants. The presence of debts on the "communal" should not be an obstacle to the transaction.
In practice, debtors are often not issued certificates from home books for real estate sales. And if the property was sold, then no one will free it from the debt of the previous owner. It will still have to be paid.Or, as already mentioned, wait for the limitation period.