Legal

Getting a letter from a debt collector.

What to do if you are threatened with debt collection. This podcast episode explains everything you need to know.

13.02.2023,
listening time 10 minutes

You cancelled your gym membership, but still received a letter from a debt collection company. What can you do? First off: take a deep breath and listen to this episode. We explain what you need to bear in mind with subscriptions and memberships, and how to deal with debt collection companies.

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Podcast episode highlights

Our podcast with our legal specialists and experts is currently broadcast in Swiss German. This episode is full of valuable tips about what to do if you have received a letter from a debt collector.

Minute 0:52

Example: gym membership. How to deal with a debt collector

What is a debt collection letter?
How do I take action against a debt collection letter?
What is the notice period for cancelling a gym membership?
What is an automatic renewal clause? Is this legal?
How can I cancel my membership if I have missed the period of notice?

Minute 5:00

Dating agencies and unjustified demands

How are dating service contracts cancelled?
What is a principal claim?
What is a secondary claim?
Which debt collection claims have to be paid? Which do not?
How can I take action against unjustified collection proceedings?

Minute 8:02

What to do when faced with collection proceedings

How can I take action against collection proceedings?
What periods of notice do I need to observe when doing so?
How can I have a debt enforcement register entry anonymised for third parties?

If you fail to cancel in time, your membership will most likely automatically renew. Hence, before signing anything, carefully read the fine print and T&Cs, as they will set out the company’s renewal policy.

Bastian Radelfinger