For evidence Euler Hermes Spain which identified 2

See rang at his door a quidam disguised as Zorro, be followed in the street by a couple of moines, or be stopped in its business by a man dressed in a frac with a Briefcase with, highlight, its name of encashing of unpaid depends on the nose of any debtor in Spain. And crisis requires, they are legion! Early may, the National Association of financial credit establishments (Asnef) felt their resources to 2.75 million individuals and 232.000 companies, for a total of 36.1 billion euros ( 158) debts. The country did not, moreover, reputed to be severe with bad payers. It is almost a tradition. In very small businesses, is the key under the door without further formalities. For evidence, Euler Hermes Spain, which identified 2.843 in cessation of payments ( 127), in 2008, thus find the closest reality of the 42,000!

Strand of humour

Result, recovery firms thrive and, in the absence of a legal framework, all means appear sometimes good to achieve its ends. The image of its competitors El Monasterio del Programa or El Zorro Recurrente El Contrato del Frac decided to put his side agreed the habit and the flap Hat costume of its 150 waiters of unpaid work, which included a single woman. "Therefore that all attempts agree amicably have failed, this is the ultimate step before bringing the case to justice," says Juan Carlos Granda, the commercial head of the House, which operates since 1988 only Spanish and Portuguese markets after an attempt failed in France between 2001 and 2006.

At the Madrid headquarters, decorated by multiple hunting trophies, history probably put in the atmosphere, visitors and employees, focus mainly on the respectability of the company, of 400 people, including 25 lawyers and as many investigators first-order, and riche of a large database, cash 4,000 subscribers. Accepting that a client base of companies, El Contrato del Frac, also very discreet about his honoraria and its financial results, boasts also a near 65 success rate.

The supposed strand of humour provided by disguised debt is far from making unanimity in Spain. "Ridicule and stigmatizes the deadbeat until they pay", denounced El Defensor del Moroso, who is also concerned about the proliferation of credit files "which it is virtually impossible to get out." Created in 2000 by former employees of pharmacies of recovery, the Organization proposes to defend its customers to creditors by helping to negotiate the payment of their debts.

"The Spain is the only country in Europe where the sector is not regulated and where firms can use methods on the margins of ethics", regrets are the National Association of entities of collection management (Angeco). This last, which brings together 80 of the profession, including Geslico, national champion created by three crates of savings or Effico, the subsidiary of Cetelem, support the Bill in preparation for the Parliament. Time press sector is recording, these days, an annual growth of 20 to 30 of its activity and the question of the professionalization of its workforce, which is progressing at the same speed.