Do I have to pay CARS Debt (Creditlink Account Recovery Solutions)?

Are you dealing with CARS Debt (Creditlink Account Recovery Solutions)? This can be a big worry, but you’re not alone. Each month, over 12,000 people come to this site for advice on debt issues.

In this article, we’ll help you understand:

• Who CARS Debt Collection are and what they do.
• How to lower your repayments with them.
• The correct way to handle a CARS Debt letter.
• How to stop CARS Debt from calling you or visiting your home.
• Ways to get in touch with CARS Debt Collections.

We understand how stressful owing money can be – our team has experience with these situations, and we know how to help you. We’ll guide you on how to handle CARS Debt, so let’s dive in to learn more about what you can do.

Do you have to pay CARS Debt Collection?

You might not have to pay CARS Debt Collection.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who are CARS Debt Collection?

Cars Debt Collection is also known as Creditlink Account Recovery Solutions which is a bit of a mouthful!

In short, the company is a debt collection agency that earns its living by chasing debtors! So basically, CARS offers ‘solutions’ for people you owe money to.

Cars Debt is legit so even when you feel the business pushes too hard, it’s not a scam.

What is CARS Creditlink account recovery solutions?

Creditlink account recovery solutions is CARS Debt Collection. The business was founded in 2002 and offers its clients several services which include:

• Debt recovery
• Debt tracking
• Buying bad debts from third parties

The company’s ‘tracking’ services are widely used by clients who need to find people who owe them money. It’s one of the angles that earn Creditlink money.

When the company ‘buys’ a debt, it costs the business a fraction of the actual debt owed!

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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Who uses CARS Debt Services?

CARS Debt’s client base includes various industries which I’ve listed here:

• Utility companies
• Service providers
• Internet providers

These are just some of the companies that use CARS Debt services to recover outstanding debts.

Should you ignore a CARS Debt letter?

It’s never a good idea to ignore a CARS Debt letter even when you think they’re wrong. You may have to face a court hearing which can add more stress to an already stressful situation.

Instead, try to stay in touch with CARS Debt and sort out the problem. You should be offered a solution which could result in a manageable repayment schedule

How do you deal with intimidating CARS Debt Letters?

Most debt collection agencies which include CARS Debt send out intimidating letters designed to scare you. Don’t panic. Take your time to consider the situation before answering any correspondence.

If necessary, seek advice from an independent debt adviser who could tell you of your options.

Can you stop CARS Debt from calling you?

Debt collectors are not allowed to harass you. It’s the law. If you’re being called at all hours, get in touch with CARS and tell them to stop. Do it in writing and send the letter by registered post!

Tell them when they can call you and where they can call you.

Once you’ve made the request, the debt collection agency has to honour your request. If they don’t, they’d be breaking the law!

Can CARS Debt visit you at home?

Yes. Although a debt collector doesn’t have the same rights under the law as an Enforcement Agent (bailiff). That said, the debt collector should give you a seven-day warning before visiting you at home.

Check out the threat of a home visit by CARS Debt to this unfortunate person.

Source: moneysavingexpert

That said, if there’s a court order for you to pay and you don’t, a bailiff could be instructed to visit you at home. Your possessions could be seized and sold at auction.

But only a bailiff can do this, not a debt collection agency!

Can you ask for a Prove the Debt?

Yes, you can. In fact, it’s a good move to ask for a ‘prove the debt’ letter from CARS Debt! Without proof that you owe the money, you can’t be chased by the debt collection agency!

Can you get out of paying CARS Debt?

There are ways of getting out of paying CARS debt. First, is the debt statute-barred which means it’s over 6 years old. You can’t be chased when a debt is over this time limit!

That said, the debt doesn’t go away, it just means you can’t be forced to pay it! If this is the case, send the collection agency a Statute Barred letter instead of a ‘Prove the debt’ letter!

What happens if the debt is not statute-barred?

Get in touch with the debt collector and request an affordable repayment schedule if the debt isn’t statute barred.

You could seek help from one of the many debt charities if you’re not sure what to do. But keep in touch with CARS Debt, they must offer you a reasonable way of clearing the debt.

If they don’t, seek help from a debt expert who could point you in the right direction about filing a complaint against CARS.

How do you get in touch with CARS Debt Collections?

I’ve listed ways to get in touch with CARS Debt Collections here:

Do I have to pay CARS Debt?

You don’t have to pay CARS Debt as soon as you receive a nasty letter from the debt collection agency. In fact, take your time, but not too long. Most importantly, don’t go into panic mode.

Seek advice from one of the debt charities if you’re confused about anything. Their advice could be invaluable and it’s free! You could contact:

Also, ask CARS Debt to provide a ‘prove the debt’ letter which gains you time if nothing else!

You can also contact:

• StepChange
• Citizens Advice
• National Debtline

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Plus, you have every right to file a complaint with CARS Debt Collections. Do this first before lodging a complaint about the company with the Financial Ombudsman!

Thanks for reading this post. I hope the information answers the question, ‘do I have to pay CARS Debt’ so it saves you from going into a panic!