After battling your way through those irritating phone calls and reading those heart-pounding letters sent your way by the mighty credit card collection agency, we now come to one of their more effective collection strategy. The home or office visit.
By showing up in a place where you feel most safe and secure, they hope that they’d be able to shake your steely resolve with one thing that frightens us all – public humiliation. So, they come out in a van with screaming bold letters on the side exclaiming – DEBT COLLECTORS – much like those pest exterminator vans you see around.
How to fight it? There’s only one thing you can do. And that’s to just grin and bear it. Because even if you can complain in court for harassment, there’s no way you can undo that day when they came. But there are a lot more Don’ts.
Don’t get scared. That’s what they’re hoping you’d do.
Don’t let them in. You can talk to them outside. Unless they have a court order which I doubt. If you’re in the office, tell the receptionist or the building guards not to let them in the next time.
Don’t let them pressure you into signing anything.
Don’t take their insults personally, they're just doing their job the best way they know how. So ignore the drama and you might even find it amusing.
Don't agree to anything immediately. Just get the details and tell them to give you time to think or consult a lawyer about it.
And finally, don’t stop your big dog from barking.
Related: Credit Card Woes - The Call, The Letter, Conclusion
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