Well, let's start with the bad news: you'll probably pay more in the end.
Here's why: you got a product, service or credit from someone, but you did or could not pay the bill or open amount. Maybe you just forgot. That's human. We all forget things from time to time. That's why that someone asked you again to pay the bill. And you didn't. Again. Now that someone has asked us for help, which is why you got a reminder from us. And we'll remind you a couple more times. That's your chance to settle the claim before the court gets involved. If you don't, please keep this in mind: the longer the process, the higher the costs. And you might ignore our letters, emails and calls – but if we run out of options, the creditor has the right to take legal action. You get a title – that's something like a court decision – that says you have to pay, and how much. All the court costs will be added to the bill.
Let's end with the good news: as you may have noticed, we have taken a lot of effort to explain the process to you, step by step. And we'll take even more time to talk you through all the options by phone or in person at our offices. Prompt contact with us will prevent legal action and keep costs low. Just get in touch – we're happy to help.