1, first of all, the lawyer's letter must be sent first;
2, if the lawyer's letter is not enough to solve, then go directly to the court to sue the debtor for arrears;
3. Finally, wait for the judgment and execution of the court.
The details are as follows: the first step is to collect as much information as possible, find the debtor and learn more about the debt. Creditors will remind them to repay all outstanding money by phone or in writing. They may ask about the recent situation and what caused the delay or difficulty in payment. If the collection company still can't get the latest contact information of the debtor by using some tools they have, they may take some other means, such as establishing contact with the debtor through the real estate and vehicles under the debtor's name, or even sending a collector to visit you at home. Second, if the debtor does not cooperate with the communication, the creditors may exert more pressure, and they may start threatening to take further actions. They will issue a legal letter signed by a lawyer and provide a final written warning before filing a lawsuit. This letter will once again outline the possible consequences of non-payment and inform you that any extra expenses may be added to the debt owed. Other more serious actions may appear soon.