- Always carefully check payment requests from debt collection companies. If the claim is justified, it must be paid. If a claim is not justified, consumers should object.
- Even for legitimate claims, the collection costs should be checked first. Often the height is inappropriate. debt collection check can help here .
- Consumers should not allow themselves to be put under pressure by threats of legal costs or enforcement.
“If an invoice is not paid on time, the demanding company can commission third parties to collect the overdue debt on its behalf,” explains Mathias Hufländer, consumer rights advisor at the Bremen Consumer Center. If a debt collection company is commissioned as a result of late payment, consumers must bear the resulting collection costs. “However, this only applies if the claim is justified; If it isn’t, the collection costs don’t have to be paid,” says Mathias Hufländer.
What to do with a debt collection letter?
“Consumers should not pay immediately after receiving a debt collection letter, but should first check whether the claim is justified or not,” advises Omar Harb. To do this, those affected should check whether they actually ordered the goods or actually used the service. “If that’s not the case, you shouldn’t pay under any circumstances,” says Mathias Hufländer. If there is uncertainty, those affected should, purely as a precaution, object to the claim and ask the company in question to provide proof that a contract has been concluded. Those affected can use the free sample letter from the Bremen Consumer Center website.
If the claim is justified, it must also be paid. If the amount to be paid cannot be paid in one lump sum, payment in installments can be requested - but often with additional costs.
Recognize dubious demands
Consumers should check whether the debt collection agency sending them a payment request is registered. This can be done free of charge the Legal Services Register Reputable debt collection companies communicate transparently and name the company for which they collect the debts in their letter.
In keeping with the topic: Massive fraudulent letters from KS Law Firm are in circulation
Free debt collection check and free advice
With the free debt collection check from the consumer advice center, consumers can check online whether a payment request is justified. However, even with legitimate claims, the amount of the claim may be inadmissible. The debt collection check also helps in this case.
As part of the “Independent legal advice in the district” project, the Bremen consumer advice center provides free advice on the topic of debt collection claims. Every Tuesday from 2:00 p.m. to 5:00 p.m., consumers can get free, independent advice and without an appointment at the Obervieland community center at Alfred-Faust-Straße 4. The project is funded by the Senator for Health, Women and Consumer Protection.
Source: consumer advice center
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