How can I defend myself against unjustified reminders and debt collection letters?
November 14, 2023 | 50,00 EUR | answered by Gerda Dietrich
Dear lawyers,
My name is Valentina Siebert and I have a problem with unjustified reminders and debt collection letters. A few months ago, I ordered something online and paid the invoice on time. However, for some time now, I have been receiving reminders and debt collection letters from a debt collection agency claiming that I have not settled the invoice.
I have already tried several times to clarify the situation and provide my payment receipts, but the debt collection agency does not respond to my inquiries. I am very worried that my reputation with other companies will be damaged by these unjustified reminders and debt collection letters.
My question to you is how I can defend myself against these unjustified demands. Are there legal steps I can take to defend myself against these reminders and debt collection letters? I would like to know what options I have to enforce my rights and fend off these inappropriate demands.
Thank you in advance for your support and advice.
Sincerely,
Valentina Siebert
Dear Mrs. Siebert,
I understand your concern regarding the unjustified reminders and debt collection letters you have received from a debt collection agency. It is important that you defend yourself against these unfounded demands in order to protect your reputation and financial well-being.
First and foremost, it is important that you gather all receipts and evidence that prove you have paid the bill on time. This may include bank statements, payment confirmations, or invoice receipts. These documents can serve as evidence to prove your innocence.
Furthermore, you should respond in writing to the unjustified reminders and debt collection letters. Write a letter to the debt collection agency outlining the situation again and attach your payment receipts. Demand that the debt collection agency withdraw the demands and provide you with written confirmation of this.
If the debt collection agency continues to ignore your requests or does not withdraw the unjustified demands, you may consider taking legal action. For example, you can hire a lawyer to take action against the debt collection agency on your behalf. A lawyer can help you defend against the demands and potentially file for damages.
You could also file a complaint with the relevant consumer protection agency or with the arbitration board for debt collection agencies. These institutions can help you reach an out-of-court settlement with the debt collection agency and resolve the unjustified demands.
Overall, it is important that you take active steps against the unjustified reminders and debt collection letters and do not let yourself be intimidated. With the right legal steps and support from a lawyer or consumer protection organizations, you can assert your rights and defend against the unreasonable demands.
I hope that these suggestions help you and wish you success in asserting your rights against the debt collection agency.
Sincerely,
Gerda Dietrich, Attorney at Law
