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CMOS debt collectors threatening legal action

  • 29-05-2025 08:17PM
    #1
    rachelgalvo
    Registered Users, Registered Users 2 Posts: 37 ✭


    I bought a phone last year on bill pay and was able to make the payment for the first month but lost my job and used all my savings and JSA to keep a float.

     I forgot about the phone and now I'm being threatened to be taken to court by CMOS. The total outstanding balance is €1,200. What are the chances I'll be taken to court.



Comments

  • #2
    Dublin Calling
    Registered Users, Registered Users 2, Paid Member Posts: 3,011 ✭✭✭Dublin Calling


    Zero. It would cost thousands. You should do the right thing and pay off your debits. Next time don't buy a phone at a stupid price. A 200 euro phone would do 98% as much, at 1/6th the price.



  • #3
    drunkmonkey
    Registered Users, Registered Users 2 Posts: 28,501 ✭✭✭✭drunkmonkey


    Don’t ignore this, it’s not with the phone company any more the debt collectors own your debt now and with the sum owed they will look for a judgement against you.
    You can try calling the collections department with the phone company and see can you come to a deal they may let you pay off the debt in increments, failing that engage with the debt collector and see will they take a little less.
    This can go to court with or without you, a sheriff may be involved to seize your belongings to cover the debt and your credit rating will have a bad mark on it, making it very hard when you want a credit card, mortgage, car finance etc.



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