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Home debt dispute
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Here is a previous question that was asked by *** (Identity withheld for privacy reason)



I have debt because I haven't paid it yet. Hello mam, is there no charge for this when I consult with you? I don't have any payment right now so I'm asking. I owe home credit and I can't pay it because of the pandemic, I have a small business and it was affected.

The agent always comes to my house and charges me and says he will give me a demand letter. What do I do if the agent gives me a demand letter? His contract is 36 months, but I only have 18 months to stop because of the pandemic.
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