The Action of Withdrawing Vehicle Units and Violence Committed by Debt Collectors Against Debtors in Terms of Criminal Law Aspects

Oct 13, 2025 by talynt.org 16 views

The Action of Withdrawing Vehicle Units and Violence Committed by Debt Collectors Against Debtors in Terms of Criminal Law Aspects

Introduction

The action of withdrawing vehicle units by debt collectors often involves a rough approach and violence, which is not uncommon to end in violations of the law. This practice raises a number of legal problems that need to be studied more deeply. In this article, we will discuss legal arrangements related to vehicle withdrawal, factors that cause acts of violence by debt collectors, as well as resolution efforts that can be carried out according to criminal law.

Legal Arrangement Regarding Vehicle Withdrawal

The withdrawal of vehicle units carried out by the debt collector is regulated in several laws and regulations. One of them is the Fiduciary Guarantee Law Number 42 of 1999, which explains the mechanism of withdrawing motor vehicles that are used as guarantees. In addition, Minister of Finance Regulation No. 130/PMK.010/2012 also provides guidance for finance companies in registration of fiduciary guarantees. In the financing agreement, if the debtor experiences bad credit, confiscation can be carried out with procedures set by the law, without having to involve violence.

The Fiduciary Guarantee Law Number 42 of 1999 is a crucial regulation that outlines the process of withdrawing motor vehicles used as guarantees. This law provides a framework for finance companies to follow when confiscating vehicles, ensuring that the process is carried out in a fair and transparent manner. Furthermore, the Minister of Finance Regulation No. 130/PMK.010/2012 provides additional guidance for finance companies, emphasizing the importance of proper documentation and registration of fiduciary guarantees.

Factors Causing Violence by Debt Collectors

Acts of violence committed by the debt collector did not just appear. Several factors behind this situation include:

Unrealistic Targets: Finance institutions often set high targets, so the debt collector feels depressed to meet these targets. This pressure can encourage them to use unethical ways.
Lack of Debtor Awareness: Many debtors do not understand their rights and obligations. This lack of understanding can cause them not to fight when dealt with roughly, so that acts of violence can occur without resistance.
Minimal Legal Knowledge: both debt collectors and debtors often do not understand the legal aspects related to confiscation. This makes them unable to solve problems peacefully and choose the path of violence.
The Aggressiveness and Aggressive Attitude of Certain Individuals in the Institution: can trigger violence.

The factors mentioned above contribute to the occurrence of violence in the process of withdrawing vehicle units. Unrealistic targets can lead to stress and pressure on debt collectors, causing them to resort to unethical methods. Lack of debtor awareness can result in a lack of resistance, making it easier for debt collectors to use violence. Minimal legal knowledge can lead to misunderstandings and conflicts, while the aggressiveness and aggressive attitude of certain individuals in the institution can trigger violence.

Complete Acts of Violence

The completion of acts of violence committed by the debt collector needs to be pursued through appropriate legal steps. For example, in the decision of the Supreme Court Number 242/Pid.B/2013/PN.JMB, it was revealed that the Debt Collector was proven to be deprived of violence when withdrawing the vehicle unit. This is clearly a violation of the law that can be subject to criminal sanctions.

In cases where acts of violence occur, it is essential to take legal action to hold debt collectors accountable. The Supreme Court decision mentioned above serves as a precedent for cases where debt collectors have used violence. By pursuing legal action, debtors can seek justice and compensation for the harm caused.

Resolution Efforts

Salah satu upaya penyelesaian yang bisa dilakukan adalah dengan melapor kepada pihak berwajib jika tindakan kekerasan terjadi. Selain itu, debitur juga dapat menggugat di pengadilan atas tindakan sewenang-wenang yang dilakukan oleh debt collector. By educating debtors regarding their rights and providing training to debt collectors on ways of withdrawal in accordance with legal provisions, it is expected that violent practices can be minimized.

Efforts to resolve the issue of violence committed by debt collectors can be made by reporting the incident to the relevant authorities. Debtors can also file a lawsuit against the debt collector for their actions. Furthermore, educating debtors about their rights and providing training to debt collectors on the proper procedures for withdrawal can help minimize the occurrence of violence.

Conclusion

The practice of violence carried out by the debt collector in vehicle withdrawal is a serious problem that needs legal attention. The regulation regarding the confiscation of vehicles has been regulated in various regulations, but its application often violates debtor rights. To prevent acts of violence, it is important to increase legal awareness among the debtor, and provide adequate training for debt collectors. Thus, it is expected that the vehicle withdrawal process can be carried out professionally and in accordance with applicable legal provisions.

In conclusion, the issue of violence committed by debt collectors in the process of withdrawing vehicle units is a complex problem that requires a comprehensive solution. By understanding the legal arrangements related to vehicle withdrawal, identifying the factors that contribute to violence, and pursuing legal action, debtors can seek justice and compensation for the harm caused. Furthermore, educating debtors about their rights and providing training to debt collectors can help minimize the occurrence of violence.
Frequently Asked Questions (FAQs) About Vehicle Withdrawal and Violence Committed by Debt Collectors

Q: What is the Fiduciary Guarantee Law Number 42 of 1999?

A: The Fiduciary Guarantee Law Number 42 of 1999 is a regulation that outlines the process of withdrawing motor vehicles used as guarantees. This law provides a framework for finance companies to follow when confiscating vehicles, ensuring that the process is carried out in a fair and transparent manner.

Q: What is the role of the Minister of Finance Regulation No. 130/PMK.010/2012 in vehicle withdrawal?

A: The Minister of Finance Regulation No. 130/PMK.010/2012 provides guidance for finance companies in registration of fiduciary guarantees. This regulation emphasizes the importance of proper documentation and registration of fiduciary guarantees to ensure that the process is carried out in a fair and transparent manner.

Q: What are the factors that contribute to violence committed by debt collectors?

A: The factors that contribute to violence committed by debt collectors include unrealistic targets, lack of debtor awareness, minimal legal knowledge, and the aggressiveness and aggressive attitude of certain individuals in the institution.

Q: What can debtors do if they experience violence during the vehicle withdrawal process?

A: Debtors can report the incident to the relevant authorities and file a lawsuit against the debt collector for their actions. Additionally, debtors can seek legal advice and representation to ensure that their rights are protected.

Q: How can debt collectors prevent violence during the vehicle withdrawal process?

A: Debt collectors can prevent violence by following the proper procedures for withdrawal, being aware of the debtor's rights, and providing adequate training to debt collectors on the ways of withdrawal in accordance with legal provisions.

Q: What are the consequences of violence committed by debt collectors?

A: The consequences of violence committed by debt collectors can include criminal sanctions, fines, and damage to the reputation of the finance company. Additionally, debtors may be entitled to compensation for the harm caused.

Q: How can debtors protect themselves from violence during the vehicle withdrawal process?

A: Debtors can protect themselves by being aware of their rights, seeking legal advice and representation, and reporting any incidents of violence to the relevant authorities.

Q: What is the role of education in preventing violence during the vehicle withdrawal process?

A: Education plays a crucial role in preventing violence during the vehicle withdrawal process. By educating debtors about their rights and providing training to debt collectors on the ways of withdrawal in accordance with legal provisions, it is expected that violent practices can be minimized.

Q: What are the benefits of following the proper procedures for vehicle withdrawal?

A: The benefits of following the proper procedures for vehicle withdrawal include ensuring that the process is carried out in a fair and transparent manner, preventing violence, and protecting the rights of debtors.

Q: How can finance companies ensure that their debt collectors are following the proper procedures for vehicle withdrawal?

A: Finance companies can ensure that their debt collectors are following the proper procedures for vehicle withdrawal by providing adequate training, monitoring their activities, and enforcing strict policies and procedures.

Q: What are the consequences of not following the proper procedures for vehicle withdrawal?

A: The consequences of not following the proper procedures for vehicle withdrawal can include damage to the reputation of the finance company, financial losses, and legal action against the company.