Debt collection.

Recently, I often hear about the Legal Department, a relatively powerful department, during the collection process after overdue credit cards! But no one has seen it. Just heard about it. The reason for fear may be that the legal department deals with the law, and transferring to the legal department after the deadline may mean taking legal channels to recover the debt.

So what should you do when you receive a call from someone claiming to be the Legal Department?

1. When you receive someone who claims to be from the legal department of a certain bank, you first ask for his employee number, and then tell him that you will record the entire conversation and then continue the conversation.

2. You have to tell him that you did not fabricate facts or conceal the truth when applying for the credit card. It was approved by the bank and was not fraudulent!

3. You have a good desire to repay and are willing to communicate and coordinate with the bank to make a repayment plan that is acceptable to everyone. This repayment plan must be formulated based on the actual situation, not what he says.

Legal collection after the credit card is overdue is actually a reminder to the parties involved