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Getting letters? Threats? What about "We're coming to your home to remove your goods to satisfy the debt".

Quite simply this: 1. Phone up the bailiff 2. Yes of course I will pay 3. Please kindly provide proof of claim.

You must agree to pay upon condition of PROOF OF CLAIM.

4, 5, 6 ... The bailiff cannot arrange a court hearing if you do not "dispute the claim". This is the essence of the Common Law and Contract Law. Courts are there to SETTLE DISPUTES.

If you do not dispute the claim, but merely ask for proof of their claim, then you will neutralise bailiffs.

Courts to not enforce debts. They SETTLE DISPUTES.

"Yes, Mr Bailiff, of course I will pay. Just prove that I owe the money and I will pay at once".

Works every time. Know the fucking law, Poal. AMA I deal with bailiffs on the regular.

Getting letters? Threats? What about "We're coming to your home to remove your goods to satisfy the debt". Quite simply this: 1. Phone up the bailiff 2. Yes of course I will pay 3. Please kindly provide proof of claim. You must agree to pay upon condition of PROOF OF CLAIM. 4, 5, 6 ... The bailiff cannot arrange a court hearing if you do not "dispute the claim". This is the essence of the Common Law and Contract Law. Courts are there to SETTLE DISPUTES. If you do not dispute the claim, but merely ask for proof of their claim, then you will neutralise bailiffs. Courts to not enforce debts. They SETTLE DISPUTES. "Yes, Mr Bailiff, of course I will pay. Just prove that I owe the money and I will pay at once". Works every time. Know the fucking law, Poal. AMA I deal with bailiffs on the regular.

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[–] [deleted] • 0 pt

What happens so I've heard... is companies will buy unsecured debt and go after who owns that debt to be repaid. But when the transaction happens. The first company that you go into debt with, credit card company and such. They have the proof you owe them. When the company that buys the unsecured credit card debt that is attached to your name. They do not get the statements or balances on the card and do not have the proof that you owe anything.

You can ask debt collector company for proof and he won't have it but at what cost?

This will fuck up your credit score. Every late payment will destroy it.

So let's say you do this and you have a lot of debt chewing away at your credit score... if you ever need to move, power and water companies can refuse service based on poor credit score from where I am from. Landlords won't rent to you. It seems like a last ditch effort to delay the inevitable of ending up on the streets.

If you have crippling credit card debt. That you cannot handle. Always pay the minimum and on time. You can get something like borrowell to monitor you score if you don't know it. You can also work on reducing your interest payments with BTO on a new card. Do this only if you won't abuse it. 0% bank transfer offer for a year. Use that to pay off a credit card that has 19% and then save vigorously. So you can pay back the BTO in a year or sooner.

The worst part of a credit card is being trapped by interest rates. Don't allow your self to do that.