If you don’t pay your bills …
If you do nothing at all with your situation, it will only get worse and worse.

Here you can find out what can happen, step by step.

Debt is growing fast. A debt at an annual interest rate of 20 per cent, for example, is twice as large in just four years.

The first thing that happens when you owe some money

The first thing that happens when you owe some money

That the creditor will send an invoice (bill). It says how much to pay and when (due). There is no rule that says you can wait 30 days to pay. Are there any provisions in the agreement with regard to these? The new agreement will be terminated when the case is raised. Often the rules are written in small print on the back of the contract.

If you have not received payment, you should pay when the seller demands it. When transferring money to a post office or bank account, it is safest to pay within three business days before the last payment date. Always check that the requirement is met. Do not accept without further costs associated with. Ask to see proof that the claim is based on. Save all receipts!

If you do not pay the bills on time, you will usually receive a reminder

If you do not pay the bills on time, you will usually receive a reminder

The creditor is entitled to claim a cleaning fee if there is an agreement on this. If you cannot find an offer for cleaning fees, the easiest way to ask the sender of the claim was in the agreement it states the right to charge a fee.

The creditor is not required to send a reminder, except in the case of a variant of parking fines called control duty. Therefore, you must stay out when the bills are to be paid.

If you can’t pay the creditor yourself

If you can

Send collection requirements to yourself, or hire an agent, often a debt collection company, for you to pay. Of the collection requirement should be clear the debt, interest and compensation for collection costs. If you cannot pay, immediately hear from you to the person who sent the collection claim. There may be some opportunities to make up a new repayment plan, usually for a fee.

You should only object if you believe that the creditor has no right to claim you for money or he calls you for the wrong amount. The resistance should not be whether you can afford to pay or not.