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. Back to Index
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