"Quick! Find a debt book like this. Don't pay!

"Quick! Find a debt book like this. Don't pay!

Five steps the public should know before becoming a victim. "

1️⃣ Check where the "debt collection book" came from.

Because now there are both legal companies and impersonating mercenary companies.

Things to check immediately:

✔. Company name.

✔ address.

✔. Call number.

✔. Email contact.

✔ Name of the signatory.

✔ have the power to issue books?

If the email bounce or the number is not an official number → high risk

Don't pay.

2️⃣ Request for "indictment-judgment" documents every time.

The debt collection company must submit:

• Copy of the indictment

• Copy of the judgment (if applicable)

• History of backlog

• Termination of contract

• Power of attorney

If you can't → Wrong, the Act asks the debt 2015.

And considered "debt collection unlawful."

3️⃣ Be careful, "the top is not straight."

Very common...

• Statement → Top one

• Debt collection officer by phone → Another peak

• Court indictment → much lower peak

If the peaks do not match → wrong the invoicing principle

And an argument in court immediately.

4️⃣ Check the "age of life."

The law stipulates that...

Credit card debt / individual loan → 3-year life expectancy

From the date of the debtor's first arrears (and never settle again)

If it's been three years, creditors can't sue.

Even if you sue, you can "raise the statute" to the court.

This point has saved countless cases.

5️⃣ debt collection companies "do not do these things."

According to the 2015 Debt Inquiry Act,

❌ Call after 8 p.m.

❌ Call too often.

❌ Threatening. Threatening.

❌ ask for unrelated personal information, such as

• Blood type

• Religion

• Relative address

• Income

❌. Use pressure.

❌ won't send the papers, but rush to pay.

If found like this → Complaint immediately

⭐ 6) If the debt collection book is "suspicious," do this immediately.

✔ Take a picture of every page of the book.

✔ Call the court by case number (if any).

✔ Send an email requesting official documents.

✔ Keep a record of call details (Time-Date-Officer Name)

✔ Complaints at government agencies include

• Department of Administration (overseeing the Debt Collection)

• Congressman

• Ministry of Finance (if it is a loan)

• Police Office

⭐ 7) Template Message Email Request Document (Public Available)

Topic:

Request for delivery of debt question documents and documentation based on consumer rights.

Content:

Dear debt collection company.

As you sent me the book of inquiries.

I hereby exercise the 2015 Debt Question Act.

The company is requested to deliver the following documents in writing.

1. Termination of contract and signatory with authority

2. Copy of the indictment (if indictment)

3. Copy of the Judgment (if any)

4. The power of attorney of the debtor.

5. Details to calculate debt balance

Please send such documents only by this email.

To serve as evidence against government agencies.

Thank you.

Knowledge makes us not victims.

Don't panic when you get the debt collection book.

Keep your mind, check your papers, and exercise your rights.

If this information is useful, don't forget to share it with people close to you. 💛✨

✨ "Know the right = don't be a victim.

Don't let anyone use the law to spin us. "✨

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