How do you know that its time for a legal action?
You must understand that you should go for a court case, when one or more of the
following happens:
• The collection agency does not validate your debt yet contacts you for collection.
• You have sent a ‘cease and desist’ letter to the collection agency. Still they call
you up for payment.
• The collection agency does not update its records after you pay a part of your
debt.
• The collection agency does not validate your debt yet reports to the credit
bureaus.
• The collection agency withdraws money through your postdated cheque before
the date on the cheque.
• The collection agency calls you up late at night.
• The collection agency annoys you, threatens you, uses offensive language, or uses
violence.
• The collection agency calls up your friends and neighbors without your approval
and discusses with them about your debt.
• The collection agency asks for your personal belongings without having got any
judgment from the court.
• The collection agency calls you up at your office without your permission.
• The credit bureaus have incorrect information about you in their records and
refuses to correct it even after you provide them evidence.
• The creditors pull out your file without any reasonable purpose.
• Your creditor does not report your credit history correctly.
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