the cccs is now processing my application, my creditors keeps calling even i have told them im in debt and i seeked help from cccs. obviously, not happy. what if they come to my house and demand payment, what shall i do? what is my right?
2007-09-27 18:34:57 · 19 answers · asked by cheekee 1 in Business & Finance ➔ Personal Finance
They are trying to scare you. Next time the call you threatening with that let them know that, if there is more than two communications per week verbal or written, in this country that is rated as harrashment and you can actually sue them.
Don't be cocky, just let them know you're in the process of getting your finances sorted out and doing the best you can to fulfil your obligations.
You have rights, go to the citizen's bureau office and have a chat with an officer.
Good luck
2007-09-27 21:16:06 · answer #1 · answered by Marco G 1 · 0⤊ 0⤋
They wont come knocking at your door but if they do just dont answer the door..talk to them through the window...make them feel dumb..dont mind the ppl who are leaving dumb remarks..they probably dont even know what a creditor is...put try to pay at least 20 a week until you are caught up. If you can pay more than do so..hope this helps
2007-09-28 01:44:59 · answer #2 · answered by txgirl806 2 · 0⤊ 0⤋
If your creditors are coming to your house to collect their money and break your knees, it's probably not something legal that you're into.
Collections agencies will say whatever they have to to get you to pay. My sister-in-law worked for one for a long time and she's made up some ridiculous things.
This, people, is why I don't have a credit card. Too many people getting themselves into trouble.
2007-09-28 01:39:09 · answer #3 · answered by Anonymous · 2⤊ 0⤋
Many dept collectors attempt to threaten to come round to the house for payment...or to make an arrangement for payment. In your case you fear this happening. You are not under any legal obligation to open the door when they do come knocking....just don't answer the door. But you would be advised to seek assistance in dealing with your debts...as you do run the risk of edither one of these dept companies taking you to court......good luck to you.
2007-09-28 02:41:04 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Your right is to tell them the truth. Ask for some extensions, make written promise that you will settle your dues in a particular date. Anyway there are other options in their favor in case there's a delay in payment, like penalty or interest. Accept it, at least it save you in your obligation even for the moment. But try to settle in time as promised, otherwise you're in deeper trouble.
2007-09-28 01:47:01 · answer #5 · answered by dalton 4 · 0⤊ 0⤋
They are trying to scare you. Refer them to CCCS. Or call CCCS and tell them which creditor is harassing you.
2007-09-28 01:43:10 · answer #6 · answered by cool_breeze_2444 6 · 2⤊ 0⤋
Tell 'em to bring a pizza. If you're on track to getting the mess cleared up they should pull the stick out of the place where the sun doesn't want to shine and wait.
2007-09-28 01:37:50 · answer #7 · answered by Smeather 4 · 0⤊ 0⤋
If you are in the UK go to the CAB, get the interest stopped on the mounting debts, get a repayment plan agreed upon and pay it. These debts will follow you wherever.
2007-09-28 01:59:00 · answer #8 · answered by Sal*UK 7 · 0⤊ 1⤋
On the whole, it sounds like a good idea to spend more time with your friends (at their homes of course) and catch up with all the things you missed while you were busy building up your debts.
2007-09-28 01:46:58 · answer #9 · answered by Pelion 4 · 0⤊ 1⤋
It is highly unlikely that they will come knocking at your door to collect money. They would send you to court first.
2007-09-28 01:38:14 · answer #10 · answered by Anonymous · 0⤊ 0⤋