📌 Know before you get reclaimed!

📌 knew before being reclaimed! The debtor's rights according to the 2015 Debt Question Act.

Many people mistake "debt = creditors will call at any time," but the law clearly defines the rights of debtors to prevent threats and unfair debt collection.

⏰ What time do creditors contact?

✅ Monday-Friday: 8: 00-8: 00 p.m.

✅ Saturday-Sunday and public holidays: 8: 00-6: 00 p.m.

📌 Generally, contact is not more than 1 time per day (count when you answer or read a message).

🚫 What creditors "do not do."

❌ trolling all day or asking for more than the law requires.

❌ Call to tell your boss, friend or relative about the debt.

❌ insults, intimidates, threatens, or uses rude words.

❌ social abuse or make people know you're in debt.

❌ impersonating a court, a police or a government agency.

📌 What should I do if I am illegally charged?

1️⃣ Keep the evidence every time.

Sound recording

Message screen caps

Keep call history

Write down the date and time of contact.

2️⃣ notify the debtor that the act may have been misdirected. 2015 Debt Question Act

3️⃣ If in breach, gather evidence and complain to the relevant authorities or report if there is intimidation, harassment or abuse.

⚠️ Many people get it wrong.

❌ This law doesn't run out of debt.

The debtor is also responsible for the contract, but the creditor must collect the debt in a legitimate way.

💡 If you can't start paying,

Hurry and contact the creditors.

Request debt restructuring

Request for installment according to force

Don't escape contact, because leaving it may make the problem even harder.

❤️ Remember that...

"You have a duty to pay the debt, but it also has a right not to be threatened."

Know the law, protect your rights and solve the debt in the right way.

# Law # Debt collection # debtor # Financial knowledge # Debt management# Lemon8TH # Knowledge around # Personal Finance