Everyone is forced to pay for utility bills, but far from always this can be done on time. To pay off a debt, you need to get information about its amount. How to find out the debt for an apartment? Modern technologies offer several solutions to this problem.
How to find out the debt for an apartment: ways
All homeowners receive monthly receipts that indicate the amount of current debt. Recently, however, there have been frequent cases when receipts with incorrect data appear in the mailboxes. How to find out the debt for the apartment, so as not to become a victim of scammers? The following options are available to owners:
- in the housing and communal services department;
- through the bank;
- by phone;
- through the Internet.
In the housing and communal services department
How to find out the debt for an apartment? Many people do not trust modern technology, prefer to turn to the housing department for the necessary information. There you can not only find out the amount of debt, but also get the current receipt for its repayment, as well as immediately pay for services.
This method is most popular among residents of small settlements. Unfortunately, it cannot be called convenient. We have to take into account the work schedule of the housing department, as well as stand in lines.
Through the Internet
The number of people who prefer to use modern technology to solve this problem is increasing from year to year. How to find out debts for an apartment over the Internet? First of all, it should be clarified whether the utility that provides services has a web resource.
If the service has a website, getting the information you need is very easy. The owner only needs to take a few minutes to complete the registration, thanks to which he will get access to his personal account. This method allows not only to find out the amount of debt, but also to pay it off in a convenient way. As a rule, several payment options are offered.
If the direct service provider does not have a website, you can find out the amount of debt and pay it off using the website of the management company.
Registration on the portal "State Services"
The State Services portal is becoming increasingly popular. With the help of this service you can solve a wide variety of problems, including the opportunity to check the debt of housing and communal services. The advantages of this method are obvious. The portal features can be used at any time of the day, on weekends and holidays. It should also be noted the availability of technical support, an intuitive interface and step-by-step instructions, which simplifies everything.
How to use the service to know the debts of an apartment for utilities? First you need to register on the portal. Available options are listed below.
- Simplified registration. In this case, the user does not have to enter information from personal documents, but he will not be able to access all the portal features.
- Standard registration. In this case, to create an account, you will need passport data and SNILS.
- ID confirmation. This option should be chosen for those who plan to constantly use the service "State Services", as it opens up unlimited access to all portal features. To confirm your identity, you must contact the nearest specialized institution. Multifunctional center (MFC), Rostelecom office, post office - the user can choose the option that is most convenient for him.
Opportunities of the public services portal
It is very easy to pay off debt using the State Services portal. The step-by-step instructions below will help you cope with this task.
- You need to enter the main page of the site, and then open your personal account. To do this, enter your username and password.
- Next, go to the "Service Catalog" section. From the general list you need to select "Payment of housing and communal services", which implies payment for housing and communal services. The “Get Service” button will appear on the page on the right, you need to click it.
- The location of the registered user is determined automatically. In the opened dialog boxes, you must select the service provider, as well as the type of service. Then click the “Next” button.
- The system will prompt the user to enter the receipt code or personal account number, and then indicate the amount required to be paid.
- Then you need to choose your preferred payment method, for example, it can be a bank card, account of a mobile phone number, electronic wallet and so on.
How to find out the debt for an apartment on the account using the "State Services" portal? Immediately after entering the personal account number, the system will provide information on the amount of debt or its absence. If the data is erroneous and the payer does not have any debts, you can immediately send a claim to the settlement authority.
Through the bank
How to find out the debt for an apartment on a personal account? To do this, you can contact the bank. You can visit the cash desk and present one of the old receipts to the employee, or else give the address. The cashier will report the amount of debt.
It is much more convenient to use the online account, which is available at most large banks. Say, information about the debt can provide Sberbank. To obtain the necessary information, the user needs to log in to your personal account or go through the registration procedure in his absence. Then you need to follow the step-by-step instructions, which is proposed below.
- You need to go to the tab "Payments and transfers".
- Next, select the section "Housing and Public Utilities and Home Telephone", and then select the necessary service.
- After that, the user selects the recipient organization and fills out the form fields.
- To make a payment, it is necessary to click on the “Confirm by SMS” button, then enter the received code and select “Confirm”.
Through an ATM
How to find out the debt for an apartment at? The answer to this question can be obtained using an ATM or payment terminal. To obtain information on the amount of debt on utility bills will help data that can be taken from one of the receipts for past billing periods.
What exactly needs to be done?
- To obtain information you will need a plastic card.
- It must be inserted into a special window, and then enter the PIN code.
- Next, select the “Payments” tab, and then go to the “Utility or Utility Payments” tab.
- Then you need to enter the address of the premises and the month for which you need to know the debt in the appropriate fields. After that, the amount of debt will be displayed on the screen, then you can proceed to payment.
Responsibility for non-payment
The above describes how to find out if there are debts for an apartment. It is very important to do this, because debt for utilities can turn into sad consequences. So, what can threaten the landlord if he enters the category of malicious defaulters? The following are methods of exposure to unscrupulous residents who are currently in use.
Interest accrual
If you fail to make payments on time, a penalty will be added to the principal amount of the debt. As a rule, it is 1/300 of the refinancing rate of the CDH. It must be borne in mind that interest is charged daily. The longer the owner will postpone the payment of utility bills, the more the amount will increase.
Denial of Service
Housing and communal services has the right, according to the current legislation, to refuse to provide services to a homeowner if he does not make the necessary payments within 30 days.With a large amount of debt, complete isolation of the deadbeat apartment from utilities is possible.
Can also impose restrictions on consumed resources. Say, hot water will be supplied to the debtor’s apartment only at strictly set hours.
It should be mentioned that utilities are reluctant to take extreme measures. As a rule, they prefer to solve problems through negotiations.
Debt collection
It is better to find out the debts of the apartment for utilities and pay them off before an impressive amount is accumulated. Otherwise, debt collection can be done using the bailiff service. In a similar situation, a malicious deadbeat is waiting for the arrest of accounts, confiscation of property and so on.
Eviction
Such a danger threatens only responsible tenants who have concluded a social loan agreement. The current legislation excludes the eviction of the defaulter on the street, this cannot be achieved even by a court decision. However, a person who has large debts on utility bills can provide less comfortable housing. This is an extreme measure, however, the longer the tenant ignores his obligations to the services, the more real this outcome of events becomes.