Friends who are in arrears, don't say these words in the face of collection, otherwise the consequences will be serious!
With the development of modern society, people's life rhythm is getting faster and faster, and many people are burdened with heavy debt pressure. When faced with the pressure of late repayment, many friends may feel anxious and helpless, and then they need to take the collection issue seriously. However, there are some things that must not be said when faced with collection, otherwise the consequences can be very serious.
1. Don't say, "I don't have any money right now."
When the collector calls ** or comes to collect money, many friends may say, "I don't have any money right now." This kind of answer will make the collector think that you are not willing to repay and take more aggressive collection measures. Therefore, when facing collection, you must clearly express your willingness to repay, but at the same time, you must also explain your actual financial situation and repayment plan.
2. Don't say, "I don't know how much money I owe."
Some of you may not know exactly how much you owe because you have forgotten the amount of your repayment or because you have too much debt. However, this kind of answer will make the collector think that you lack the sincerity to repay the debt, and may even suspect that you are deliberately defaulting on the debt. Therefore, when facing collection, be sure to be clear about the amount you owe and your repayment plan.
3. Don't say, "I don't know this person."
Some of you may have lost track of who you have borrowed money from because you have so much debt. However, this response can make the collector think that you lack integrity and responsibility, and may even suspect that you are deliberately avoiding the debt. Therefore, when facing collection, be sure to carefully check the borrower's information and the amount borrowed, and get in touch with the borrower as soon as possible to negotiate a repayment plan.
4. Don't say, "I didn't think about paying it back."
Some friends may not want to pay back the money for various reasons. However, this kind of response will make the collector think that you lack the willingness and integrity to repay, and even resort to more aggressive collection methods. Therefore, when facing collection, you must clearly express your willingness and plan to repay, and explain your actual situation and difficulties.
5. Don't say "I can't afford to pay it back".
Some friends may not be able to repay the money for various reasons. However, this response can make the collector think that you lack the ability and responsibility to repay, and even suspect that you are deliberately defaulting on your debts. Therefore, when facing collection, be sure to explain your actual financial situation and repayment plan, and provide some materials or information to prove your ability to repay as much as possible.
6. Don't say, "I don't care."
Some friends may not care about their debt problems for various reasons. However, this kind of answer will make the collector think that you lack the willingness and responsibility to repay, and even resort to more drastic collection methods. Therefore, when facing collection, it is important to take your debt problem seriously and take measures to solve it as soon as possible.
In short, you must remain calm and rational when facing collections, and do not say things that will mislead collectors or aggravate conflicts. At the same time, it is also important to take your debt problem seriously and take steps to solve it as soon as possible.