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    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.

    Let us list down a few pointers here regarding debt-threats:

    • Tell them you are recording the conversation. This will be your proof that the collector has been harassing you.
    • Decide which person in the family should deal with the debt collector. And let that person alone do the talking. They might want to know who all are employed in the family and might go to any end to weasel information out.
    • Haphazard record-maintenance is prevalent in this business and do not get intimidated simply because you received a call. Simply refuse to pay a moolah without seeing solid proof of your debt.
    • Write down everything – the details of the company and the caller. This can help you in court.
    • Check your mail frequently (yes, even spams). You don’t want to miss a court summon.
    • How old is the debt? This is important. Some debts are so old that it is beyond the time frame when they can sue legally. Read all the rules pertaining to this before making a decision.
    • There laws against abusive and unfair collectors. Do not hesitate to speak up.
    • You are not legally bound to pay your deceased relative’s debts.
    • Always ask for proof of debt. Many a time collectors and companies spew toothless threats to bully you into paying.
    • Collectors will try to impose false deadlines when they threaten to sue. Always ask for the agreement in writing.

    Standing up for yourself is not always easy. But it has to be done as no one else will do it for you.

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