You always have a right to be treated with respect, fairly and have your privacy respected. You do not need to listen to any obscene language, threatened or be called names. You also have the right to dispute all or part of your debt, even though you may actually owe it. You can request that you not be disturbed at work, or at any time and place inconvenient to you. Finally, you can also request that no further attempts be made to contact you.
Most people fear that their case will end up in court. This is natural. However, you must realize that your case could end up in court anyway if you did nothing. Taking the case to court can be done at anytime by the Debt Collection Agency. If you don’t have the money to pay off your debt, court action could garnish your pay. You can now see why it’s better to attempt to come to a negotiated settlement than to spend your money paying attorneys, court fees, and risk the loss of income. Take the time and do your research. You will be surprised at what you find. Every new piece of knowledge and information you gain will give you the confidence and insight to settle your case with the Scottish Debt Collection Agency.
They had quite a story. They said if he didn’t settle the debt, it would be transferred to the original creditor who would file a lawsuit. And that my friend would be subject to further interest and penalties and attorney’s fees and that they could garnish his wages. Scary.
Don’t forget the small stuff. Pay off your little items, such as old rental fines or unpaid gym memberships. These items will show up on your report, no matter how small the debt is.
Thoroughly examine your credit report to avoid accepting any errors as being valid. Errors and mistakes do happen, and negative entries on your credit report could be a result of these. Credit disputes will allow you to remove false information from your credit report.
You may also want to find a site that offers this type of service because you have old numbers in your personal address book that you have added without any identifying information. We can do this when jotting down a number we think we will only use once, or we may be in a hurry and we just assume we’ll remember. If you have such numbers in your book, use a backwards phone number lookup to find out more.
Make sure that you hire the right agency for your needs and that they can collect. It takes money to make money and this is true in the collection world too. An agency must take a risk in taking your claim, but without the risk they cannot stay in business. I wish you well with your debt collections and hope that you can recover all of the money rightfully owed to you.