[DEFEATED] Debt Collection Act [Complete] [Complete]

[mcmasterdonia]

This Proposal is now in the queue. Vote Aye, Nay or Abstain.

Disclose where else you have voted or will be voting.

Description: ACKNOWLEDGES that many people on low incomes turn to legitimate money lenders as a means of meeting living costs.

RECOGNIZES that legal monetary agreements must be respected by both parties with regards to the law in given nations.

STRESSES that the collection of debt must be enacted in a means respecting basic personal rights.

'Lender' herein refers to any non-governmental money lending institution representative, enacting collection of debt, either via money or property repossession, upon entering indebted individual’s place of residence. Governmental equivalents (revenue and customs officials, etc.) being assumed subject to national governmental law. In the case of 'Loan Sharks' the following restrictions apply if such organisations are permitted by the law to function. If considered legally illegitimate debt collectors, they then fall under relevant national legislation against such practice.

This act hereby mandates that all governments must impose the following restrictions.

On collection of debt from individuals living on private property

Lenders may not enter private property to receive debt payments:

If admitted into the property by an individual of 18 years or younger (or equivalent age of consent in given nation).

When admitted by an individual who does not own, or partially own the property.

Via means of force, including the breaking down of doors and windows, as well as physical intimidation of indebted individuals to pay debt.

If property is entered by other non-consensual means, for example lock picking the door, entering under false pretences, etc.

On collection of debt from an individual living in a non-private residence (retirement homes, hospices etc.)

Lenders may not enter said residences under the above conditions in addition to the following:

If admitted into the property outside of visiting hours or equivalent time restrictions.

When admitted by the indebted individual when not considered mentally capable of permitting the transaction (as judged by a relevant medical professional).

If the indebted individual is not in a physically healthy state to permit and/or enact the transaction. (as judged by a relevant medical professional)

 

[Eluvatar]

First note: This mild Human Rights resolution, proposed by Aclany, establishes scenarios where legal non-governmental debt collectors may not enter properties to collect outstanding debt.

The proposed resolution states that, in the case of the collection of debt from individuals living on private property, it would be forbidden for collectors to enter via force, under false pretences, or without permission from the owner or part-owner. This restriction includes permission from those under the age of consent in a nation.

When dealing with individuals living in non-private residences, further restrictions in addition to those already outlined exist. Collectors may not enter the property if the individual is not in a physical or mental condition to receive them. Collectors are also not permitted to enter if outside appropriate visiting times.

Due to this proposal's ineffective and micromanaging approach to the issue, which it also fails to clearly define, this Ministry recommends an against vote. On the other hand, if you feel the proposed resolution more than adequately treats the issue of over-zealous debt collectors in an effective manners, then a for vote would be appropriate. An abstention would be the preferred route in the event you have no strong feelings or are generally apathetic about the resolution.

Second note: Current tally (For-Against-Abstention) is as follows:

0-5-0

 

[Sanctaria]

Against.

Voted using my WA which is currently in the IDU.

 

[Cove]

Nay. No-where else.

 

[Ravenna]

Nay. I will vote using my WA in TNP

 

[mcmasterdonia]

I count 3 Nay votes. I have lodged an initial vote of against.

 

[Lord Byron]

Nay
VOTED NOWHERE ELSE

 

[Kingborough]

Nay.

 

[mcmasterdonia]

Still voting against then

 

[Sanctaria]

Voting on this resolution has ended.

Thanks to those nations who cast their votes. Your participation is a great help to the region.

This topic has been locked and sent to the Archives for safekeeping. If you would like this topic to be re-opened for further discussion, please contact the WA Delegate, a Global Moderator, or an Administrator for assistance. Thank you.

 

[r3naissanc3r]

Voting on this resolution has ended.

Thanks to those nations who cast their votes. Your participation is a great help to the region.

This topic has been locked and sent to the Archives for safekeeping. If you would like this topic to be re-opened for further discussion, please contact the WA Delegate, a Global Moderator, or an Administrator for assistance. Thank you.