there is time for the headlines not here and i want to go enjoy further rest from the poisonous smoke which is the six days as far as bringing some of them is under control before costs is the smoke could return scorching heat wave continues unabated. the german army is facing accusations of training its soldiers from post-traumatic stress its the illness affects between five and ten percent of troops this comes as the country is poised to step up its efforts in more than afghanistan. and the psychic stock market is thriving in it to me since the credit crunch don't approach the confidence of investors putting their fortunes in the hands of. credit cards overdrafts and bank loans to satisfy the those who consume of the report next on how unguarded spending can sometimes lead to dire consequences. we're

all accustomed to how easy inconvenient it is to live on credit. but many people get in over their heads in can't pay off their loans to turn off your job or get out of here what are you doing here i say. they're forced to pay their debts by court order. include the goldfish. the law is merciless to debtors. on the left with only one choice to myself. to everything in their power to save their property. what are you doing give me the next back. what happens to people who don't pay their bills how does reposition work in russia how successful are collection agencies and bailiffs.

fifty kilometers from st petersburg. taking people who pay their utility bills. i guess they're expecting us. the law. from taking any action after ten pm before six am. that's why they start work at six o'clock. still sleeping. yes. to deliver. deliver you so. you have.

picked up from across the these people haven't paid tricity gas bills for months. to take part in a big reality show t.v. cameras waiting for service office. in january two thousand and nine unpaid utility bills accounted for half of. the first campaign acting on a. company by t.v. crews. apartment and delivered service. in february local residents not only

paid their bills in full but even settled some of their debts after that decided to organize such campaigns on a regular basis to are doing this for those who make it to day. so it's for the sake of those who will watch this on t.v. read it in newspapers and conclusions. local officials are explaining to sleepy delinquent bill payers what will happen to them unless they settle their debts in the meantime ten uniformed female bailiffs are getting ready to hand the court papers to the debtors. to do i show my id. to the other man. the bailiff screen entrance is an important part of the show t.v. viewers must see that bailiffs are nice people and there's no need to be afraid of them as long as you follow the rules and pay your debts the papers have been served

but that's not the end the debtors board a bus. seats and told us a little uncomfortable. but is there any bus without. the bus takes the debtors to see similar checks. and this is where these people will have to move unless they start paying for utilities. in this house you will fix them up a little there's no central heating no water just a well outside. real or not the scare tactics prove it stream we convincing two people out of nine pay their debts on the spot if a person refuses to pay even after a tour of the shacks bailiffs go to their house to impound their property. a two piece refrigerator will call a white dish and used as. valley one thousand five hundred roubles while taking an

inventory beginning his subordinates continue putting psychological pressure on the debt or the t.v. set cost seven thousand rubles but they appraise it it only seven hundred seven hundred is too little. make it at least seven hundred fifty i'm sorry i can't help it i want a new t.v. this will be my third. include the goldfish. just for lunch. another t.v. . works ok they get five hundred roubles. i have a little off and doing my job. i guess humor is my way of protecting myself against the stress. if you take everything you see.

all of considered female each of them has experienced what they call a professional transformation they've learned to show no pity whatsoever to the debtor but these outwardly tough and sarcastic women have human feelings like anybody else. unfortunately i'm not wearing a tie right now. if they often come to my office sit down next to me and start crying before you know it my time. with it. nevertheless contain their emotions flawlessly even if they do business with celebrities or sports stars. the former

goalkeeper for russia's national football team at an international airport outside moscow. to find out because you on the phone i talk to myself as you talk to me i never talk to you. use the religion of the phone company to produce call records ok do it for. the goalkeeper owes about twenty six thousand dollars in l a money payments his former wife went to court and cannot leave russia without paying the debt. because the visible but if you don't pay the debts little c.z. a ticket if you return it to the airline then money goes into your wife's account we imposed what else we can impound of your property you are still not free to leave russia so if you go back to moscow in the case of russia's family goalkeeper bailiff's have used a method of so-called reputation influence such methods are usually used in collection agencies. this is

a relatively new business in russia many people still think debt collectors are bandits who extort money through violence. but let me stress this is a myth we often use myths in our people are afraid of us that's good that doesn't mean we are doing something illegal because they're afraid of us this means they will take care of their problem more quickly with a debt collection agency today needs a nice office charming employees and an understanding of the debtor psychology these people get up to fifty percent of the collected amount for their services. here's how debt collectors often work at first the woman with a gentle voice calls the debtor and tries to persuade him to pay off the debt the agency's director says single mothers from twenty five to forty years of age are ideal for the job. i don't know if this piazza. listening this is a debt collection agency calling yes that's me how you paid your debt.

no not yet i don't have the money right now. so i understand but you know last month you did it was only two thousand and twenty roubles this month it's all way to four thousand six hundred fourteen. i will pay it before the end of this month to be sure. we tell the person what will happen to him unless he starts paying first of all we tell him we will send a letter to your boss so he knows your dishonest person then will send this information to your relatives and neighbors after that gets cored bailiff's and will come together with a court bailiffs to impound your property when dealing with women we often tell them do you really one bay leaves to come to your house and walk on your fine carpets and their dirty boots do you really want this.

debt collectors methods are generally effective up to thirty five percent of debtors return the money a very good rate most people do their best to pay off the debt in order to save their reputation. almost fifty percent of russians use bank loans people often borrow money to buy appliances furniture or new cars. psychologist claim that people are often tricked by easy access to loans and may not truly realize they'll have to return the money sooner or later and this is the first symptom of being addicted to other people's money. two years ago psychologists came up with the concept of credit mania. i'd say it doesn't go beyond the limit of what is acceptable but it's still a deviation it's an obsessive desire to buy things on credit without the realisation that you'll have to repay all these loans. psychologist believe up to

one and a half percent of russians suffer from credit mania these are usually junk people with a good income and the prospects of career growth they don't yet have enough money to buy an expensive car or a nice apartment so they try to solve their problems by taking out loans they can no longer live without other people's money. or these are impressionable people they are proactive and to a high degree of their behavior may be determined by emotions there is no great logic and he is actually. with more and more debtors the burden of payment often falls on others. immediately after the second world war major nazi leaders were put on trial for war crimes however questions linger about victor's justice which is the.

observed nature and discover its beauty. communicate with the wild. test yourself and become free. see what nature can give you on. the economic crisis dealt a serious blow to the credit market in russia. interest rates went up making it more difficult to pay off debts sophistic syndicated the percentage of overdue loans has jumped from three to twelve percent. so. this is the village of me in the quarter gun region two thousand kilometers east of moscow there have been several major bankruptcies in this little village over the last few years local businessmen took out

a lot of loans to develop their companies and then. simply disappeared now bailiffs come to their guarantors to collect the money from them. hello barely i haven't a fare for you. i know who you are thanks come to wait to say goodbye to you forever. lydia lives in an old wooden house her little garden with a few hens and old t.v. in a washing machine is all she has all of this has long been impounded several years ago lydia worked at a local food company the company director. asked lydia to sign her loan application as a guarantor video agreed and soon the director ran into economic problems. i think she was on to a lot of pressure she was afraid to stay here any longer and so she took off and no we have to cover all her. lydia like seven

now has to pay off two hundred fifty thousand roubles for her former boss that's forty five times more than her monthly pension the dia will have to pay for another person's debt for the next thirty eight years. i'm left with only room to hang myself. but. when my son comes when i want to be able to feed him properly. fifteen people were guarantors on much of his loans to attend the beak of also worked at the company to jenna says she could not refuse to sign the guarantee a musician she was our boss you know so we were under pressure in these odd times neji wants to lose their jobs. today to china pays half of what she earns to cover what her former director owes her property has also been impounded just known to john is able to talk about her problems without getting angry the main lesson she's

learned is that she won't ever be a guarantor again even if it's her closest friend who asks. i did an extensive now it's more like a quiet disband i have to pay this money anyway either i pay it to voluntarily or they will deduct it from my salary. in charge of the case would be happy to find the throes of the company's former director and collect the debt from her rather than torment her. the only problem is both the debtor and her property are gone. up a new number you have done and it's and doesn't exist please try again only. locating a fugitive debtor is one of the most challenging tasks for bailiffs according to law they cannot impound and so property unless they have proved that it belongs to the debtor this is a loophole for many evading their debts they simply register their apartments and cars as belonging to their relatives and get a low income job or move elsewhere. these people have come to the bail. just

looking for justice for three years now furniture company owner said his owed almost one hundred fifty people money the businessman collected almost three million rubles and down payments it is customers never got their furniture. you're not doing your job. you're not executing court order we don't care how you find them you are not doing the job. in the meantime the bailiffs have impounded all the property that was registered inside against amount of snail but it's made up for only three percent of the debt the businessman rebreather the rest of his property and his wife and sons names and has been in hiding for a few months now. we've done everything the loan executing the court permits and at the property and froze the doubters bank accounts. all these measures and. the bailiff is going to make another attempt to locate the fugitive this time together with our camera crew the bailiff goes to

the debtors wife she continues to take orders for furniture she doesn't ferd different company. as i need to talk to. people i'm not going to talk to anybody. we just talk for a second you know you cocked. up. as a rule bailiffs go out to execute court orders and usually it's two women today they've come to a local company in penza. and the safety let's go out to myself company bosses are clearly not happy to see the bailiffs they're dragging their feet and are not willing to open the cash register and part ways with their money.

show me where the cache is what cash for september there was no cash in september no revenues acceptable think through both the head of the company gets almost hysterical when he sees the bailiffs he's afraid of attacking government officials so he turns his rage against the t.v. camera instead we get this camera out of here i said get out of here. turn off your camera get out of here what are you doing here i said get out. get out. in case of emergency get to physical with the bailiffs the rapid reaction squad is on the ready. to tons handcuffs tear gas pistols and submachine guns the rapid reaction force has the same authority as a swat team and is armed according. the emblem of the bailiffs must be clearly visible of course if they are negative towards us sometimes they call us

nazis that's because our uniform is black because people need to vent their anger when their property is being seized. these members of the bill of service have regular shooting practice. ready to fire. each member of the rapid reaction squad as an athlete most often experts there's even a special martial arts training program designed specifically for. the you're not an enemy helping him learn this technique so relax let's start again though i go. i. had no background in martial arts before he joined the rapid reaction squad he's a football player the captain of the pens

a bill of service football team the team plays in between indoor football tournaments yes dozens of awards for athletics achievements. when i came back from the army when i was playing in a local tournaments and somebody invited me to join the bailiff's. team. and first said his parents didn't like his new job there was too much negative press about bailiffs but now the situation has changed. people realize we're not. we're acting on a court order. doing this on our own initiative. but even in a quiet town like pens there are places where the don't go without special support . the entire rapid reaction squad is on its way to a roma village carrying their guns to protect themselves against a potentially emotional reaction. as a sound bite here on

a chord bang right why don't you pay your debts we have no money much of it would then else back to your property now. what prophecy i don't have anything this is all i have what are you going to take a look at my pilates. used to paying utility bills are taxed to pay off the debts they've run up over many months they claim they can't get a job with the new value fortune telling and everything there are girls try to get a job at a factory but they were told you're illiterate you're gypsies and when you don't have anything for you they want us to pay for electricity for gas for water no discounts no favors. the main objective of the rapid reaction squad is to protect the executive bailiff in the past there were several attacks bailiffs in the village this time everything was quiet there have been situations in which people attacked squad members with firearms pitchforks or axis. what are

you doing hey lady give me the ax back. almost. constant psychological pressure is the most difficult part of their job perhaps that's the reason only psychologically stable people can work here. as one of the most experienced workers at the service she's been working here for fifteen years. i'm ready to go. the going out to execute a court order she's accompanied by her son. he's been working as a court bailiff for two years now the sales job is to protect executive bailiffs and today is the first time he'll protect his own mother. which of these cordona says you must present your vehicle tomorrow at seven am please sign these forms. she. started a dynasty of bailiffs and in addition to her her elder son out of two of works in

the system as well. bailiff to do reporting nothing out of order business as usual. during the day attitude is posted as a guard at the regional court building in the evening he usually accompanies executive bailiffs he comes home late his wife at the door now the whole family's here mother brother and little. how i did he says here. his birth also worked as a bailiff she met her future husband at work he was assigned to protect her now takes care of all the time not only at work he just. knew his strong his bright is not afraid of anything he always protects me he wanted anybody mistreat me. to dish and dynasty includes four bailiffs. hopes the tradition will continue and her

little granddaughter is saying you will follow in her footsteps. one mind. my colleagues send me a text message to nations another chord born. since the start of the global financial crisis the number of delinquent debtors in russia has increased significantly. it would be happy to run out of work some day but this isn't going to happen because debt is part of our financial system and for many people human nature we like to borrow money and not everyone is always willing or able to pay it back.

signed up to join the military because i thought that it was my duty and that it was something that i could do to help my country i believe my government that it is necessary for america to vietnam there was a lot of drug abuse there was a lot of murder of american officers by american soldiers there were a lot of good stories. to go around. before the war i always thought i wanted to limit a lot of medals and to have a lot of decorations but afterwards i realize that they they don't mean anything or are there enough that importance. i don't i don't i never kept the medal.

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