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Looming whether article "Fraud" for not paying on the loan?

Almost every bank debtors degree of responsibility that he faces for untimely fulfillment of credit obligations. Collectors and banking institutions security services often enough in their use intimidation article "Fraud" for nonpayment of the loan. What is its significance and why lenders each defaulter expose a fraud?

Many customers consider the threat of criminal liability relating to loan defaults, just a way to knock out their money. However, the Criminal Code provides a very real art of fraud in the various fields of activity (Art. 159 "Fraud"). The reasons for the prosecution and types of lending regulates punishments Art. 159.1.

Looming whether article "Fraud" for not paying on