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 We follow the Creative Commons Attribution License for all works we publish.