How can I defend myself against unjustified debt collection claims?
March 20, 2023 | 50,00 EUR | answered by Hans Krüger
Dear lawyer,
My name is Erwin Lichtenberg and I have a question regarding debt collection claims in civil law. Lately, I have been receiving more and more payment demands from debt collection agencies, which I believe to be unjustified. The claims are related to alleged outstanding invoices from companies with which I have no business relationship. I have already tried to contact the debt collection agencies by phone and assert my innocence, however, they were not very cooperative and insisted on their claims.
I am very worried about my financial situation, as the debt collection claims keep increasing and I fear they could negatively impact my creditworthiness. Therefore, I am wondering how I can effectively defend myself against these unjustified debt collection claims. Are there legal steps I can take to defend myself against the claims? What evidence do I need to gather to prove my innocence? Is there a way to force the debt collection agencies to withdraw the claims without going through a lengthy court process?
I would greatly appreciate it if you could provide me with your assessment of my situation and suggest possible solutions to help me defend myself against the unjustified debt collection claims.
Sincerely,
Erwin Lichtenberg
Dear Mr. Lichtenberg,
Thank you for your inquiry regarding debt collection claims in civil law. I am sorry to hear that you are facing unjustified demands and are concerned about your financial situation. I am happy to provide you with some information and advice on how to effectively defend yourself against these debt collection claims.
First and foremost, it is important for you to stay calm and not be intimidated. If you are sure that you do not have any outstanding bills with the companies that the debt collection agencies claim you owe, it is important to document this in writing. Gather all relevant documents, such as invoices, contracts, or correspondence with the companies in question, that prove you do not have any outstanding debts.
As a next step, I recommend that you lodge a written objection to the debt collection agencies via registered mail. Enclose all relevant documents and explain in detail why you consider the claims to be unfounded. Demand that the debt collection agencies withdraw the claims and threaten legal action if necessary.
If the debt collection agencies continue to insist on their claims, you may seek the assistance of a civil law attorney to represent your interests. An experienced attorney will work with you to develop a strategy to challenge the unjustified debt collection claims. An out-of-court settlement may be possible to avoid a lengthy court process.
It is important that you carefully document all steps and keep all documents safe. If the debt collection agencies still proceed with legal action against you, this will help prove your innocence and strengthen your defense.
I hope this information is helpful to you and encourages you to stand up against the unjustified debt collection claims. If you have any further questions or need legal support, I am at your disposal.
Best regards,
Hans Krüger
