How to Stop Harassment from Studio Debt Collection Quickly

Stop Debt Collectors How to Stop Harassment from Studio Debt Collection Quickly

How to Stop Harassment from Studio Debt Collection Quickly

Some people will receive a call from Studio Debt Collection today and not know what they need to do next. This is a common occurrence because there are many people who find themselves behind on their debts. Still, that doesn't make receiving the call any more pleasant.

In fact, some people will go into an absolute panic when they get a call like this. It is not recommended that you lose your sanity when you receive a call from Studio Debt Collection, but it is understandable that you may get nervous. You can reach out to DoNotPay for assistance with this problem.

Is Studio Debt Collection a Scam? 

It is prudent to always stop and ask yourself if there is a possibility that you are being scammed before you proceed with a phone call from Studio Debt Collection or any similar company. In fact, it is a great thing that you have stopped in your tracks and asked yourself this question. After all, you don't want to give out information to a company that is only going to rip you off.

It turns out that Studio Debt Collection is legitimate and NOT a scam.

However, there are a few things to note about debt collection companies that could potentially be a scam including:

  1. They may pressure you into paying with a wire transfer
  2. They may threaten you with jail time if you don't pay your debts
  3. They may say that they will reveal your debts to your family and/or friends

These are all illegitimate activities for any debt collector to do, and this is how you could know that there are things to be suspicious about when it comes to these types of collection practices. You might want to stop yourself and ask if you are dealing with a legitimate company or one that you need to take a step back from.

What Is Studio?

Studio Retail Ltd is a registered Accrington-based retail company that was established in the 1960s and has a large customer base to date. The company retails over 40,000 products online and through its mail-order catalogues.

Registered Company AddressChurch Bridge House, Henry Street, Accrington, United Kingdom, BB5 4EE
Registered Company Number718151
Parent CompanyExpress Gifts Ltd
Consumer Credit Licence348351
Websitewww.24studio.co.uk

Studio offers Buy Now, Pay Later options as well as consumer credit. It’s no wonder some people may find themselves owing Studio and receiving debt collection calls.

What Happens If I Don't Pay My Studio Debts? 

An individual who receives constant collection calls may be tempted to throw their hands up in the air and just not pay their debts at all. They might think that ignoring these calls gives them some leverage over a debt collector that they did not previously have. However, the problem with this type of thinking is the fact that not paying your debts to Studio, or any debt collection agency for that matter, doesn't actually help the situation. 

A debt collector will cycle through the following steps:

  • Calling you
  • Sending letters
  • Taking you to court

It can even reach the point where you are taken off to court because you didn't take the time you needed to in order to get your debts taken care of. It might seem like an extreme step, but there are collection agencies that will take things to this level because they feel that they have no other option if someone is not doing a good enough job keeping up with their debts.

Make sure you never put yourself in those shoes. You will regret the inability to get out of the situation that you are in once you have dug that deep of a hole.

How Long Can Debt Collectors Come After Me? 

There are time limitations for how long debt collectors can pursue a debt. You do NOT want to lean into this as your "get out of jail free" card. You will do terrible damage to your credit in the meantime, and it is just not worth it.

The current limit is 6 years per the Limitations Act of 1980. You must not have made any payments nor acknowledged the debt at all. If you do either of those things, the clock restarts.

Are Studio Debt Collectors Harassing You?

You can contact Studio if you feel that their debt collectors are threatening or pressuring you into paying your debt. Studio offers ways you can file a complaint with them directly.

  1. Call Studio’s customer service team at 0371 200 0378
  2. Go to their website and fill in the online complaints form
  3. Write to their Financial Services Department, Preston, Lancs. PR0 2BP

DoNotPay Can Help You Deal With Studio Debt Collection

DoNotPay is happy to help you with any issues that you may have with debt collectors. They have a simple program that helps get this all sorted out in just three steps.

Here’s what to do:

  1. Search "debt collection" on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

     

DoNotPay Comes Through in Other Ways

DoNotPay can help you deal with debt collections from the following:

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