You are in deep debt. Credit card bills are constantly eating away at you. On top of this, the company’s agents to contribute to magnify your anguish. Some skilfully use certain tactics to weaken your spirit like incessant phone calls at odd times, verbally abusing you (and your family members) and so on. Some firms go for the kill – threaten to sue. It is important to keep a cool head in this scenario and assert your rights. Just because you owe someone money doesn’t mean that they can take law into their hands or you are their slave.
Standing up for yourself is not always easy. But it has to be done as no one else will do it for you.
Yes, you should always have a recording of the conversation. This will be your proof that the collector has been harassing you.
Write down everything. Every detail of the company, the caller and the conversation need to be noted. This can help you in court.
Yes, keep in mind to check your mail frequently (even spams).
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