Kenny speaks for the sake of his fellow debt collectors

Kenny speaks for the sake of his fellow debt collectors

By Johannes Simbolon

JAKARTA (JP): Kennedy, who is affectionately called Kenny,
thought there was no use in disguising his profession to his
former classmates at the UKI (Indonesian Christian University) at
a reunion gathering last year in the West Java weekend resort of
Puncak.

"I'm a debt collector," the 29-year-old Ambonese told them,
feeling gloomy at finding many of his former classmates had more
promising careers in professions much more respectable in the
eyes of the public.

After graduating from the university's economics school back
in 1990 he was engaged in the debt collecting profession, and is
still there today. He ended up there after his dreams of making a
better life -- the very one shared by all boys and girls
migrating from the countryside to this glamorous city -- failed
to come true despite his relentless efforts.

"My widowed, beloved mother was very proud of me, because I'm
university," says Kenny who lost his father, an armed forces
member, when he was at elementary school in Ambon.

But the merriment of graduation day lasted as briefly as the
rainbow glows after noontime rain. The hundreds of applications
he sent to well-established companies came to nothing, forcing
him into the debt-collecting service as a means of survival,
while continuing the ritual of sending job applications. But
nobody would employ him, says Kenny, because he had no convenient
connections, or perhaps God simply answered the prayers of his
fellow debt collectors that he remain among them.

"Every time I told them I had sent another job application and
we might part because of that, they said `We'll pray to God that
the company will not call you'. As it turned out, God always
answered their prayers and has kept me among them until now," the
bushy-eyed Kenny chuckles.

Forgotten

There is no leader in his group of nine debt collectors, he
says. He seems prominent for his high education, though he is the
youngest and the sole bachelor of the group. There are ex-
convicts, retired servicemen, former national boxers and
athletes, who share the same feeling of being outcasts and
forgotten after being adored. They recall bygone days of basking
in fleeting glory.

Although most other debt collectors work for law offices or
youth organizations, Kenny's group stand by themselves, "we can
take our income uncut", Kenny says.

Their clients include individuals, leasing companies, banks
spreading from Sumatra, Java and even as far as Malaysia. Their
clients have the usual problem of failing to get money back from
debtors though they have tried all the usual channels, including
hiring lawyers or law enforcers. Kenny's group tackle debts of Rp
50 million minimum.

"Many people mistakenly think we are hired to force bankrupt
debtors to pay back their loans, thinking thereby we are inhuman.
If we find a true bankrupt debtor, we give up and quickly cancel
the contract with our client," says Kenny.

The bankrupt debtors who still feel responsible, he says, are
easy to find. On the contrary, the debtors they normally deal
with are mostly persons living in secret hideouts, whose
whereabouts is difficult to find even for hired law enforcers.

"To them, there's only one word: frauds! They intentionally
try to dodge their obligations," Kenny explains.

With the debt collectors who have been reared on the streets
and are street-wise coming into the scene, the frauds find their
match.

Information about the frauds are easy to find amongst debt
collectors since the former have the tendency to repeat their
offenses. They are coincidentally familiar with the night life,
which is little more than a daily rendezvous of the tough guys.

"After two or three days of survey, we know everything about
the debtors, including their hideouts, hangouts, mistresses,
houses, as well their daily schedules. Thus, when we come to deal
with them, they cannot cheat us by saying they have gone
bankrupt," says Kenny.

Tricky debtors

In many instances, the debtors often have thugs to protect
them. But the debt-collectors have always well anticipated it
since they also have "muscle" and connections with various groups
of people.

A public attorney does not have such skills, nor the time to
do as the debt collectors do. Tricky debtors can easily dupe
courtroom judges into believing that they are bankrupt and
therefore judges may mete out a lenient punishment at the expense
of the creditors.

"It is because the law is weak that people look to us for
help," Kenny says.

Kenny admits that many amateur debt collectors do unlawful
things, including confiscating debtors' effects, exerting
physical and non-physical pressure.

They are, he says, mostly newly-released ex-convicts, who are
unfamiliar with the so-called survey or negotiating methods which
professional collectors practice. To make things worse, they are
usually hired by creditors who are so frustrated that they order
them to do whatever to the fraudulent debtors.

Today, Kenny feels saddened over the public's black-and-white
view about the debt collecting service, the authorities' resolve
to crack down on it, the ignorance of many that they have
contributed to the economy -- however little and obscure it is --
protected the right creditors from the fraudulent people owing to
the impotency of the law.

As for Kenny, things seem fine now. A bank, which was his
former client, respects his skills and recently offered him a
position at its bad loans section.

His main concern now is the fate of his former fellow
professional debt collectors, who have started to make an
obviously better life, though they have not left the life on the
streets as it is the only place they feel at home.

"If the debt-collecting service is banned, should they go back
to the dark world of crimes?" he wonders.