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⟩ Tell us as in the case of traffic cops or dentists, few people can be happy to see you. How do you handle this?

Most people are very negative when you arrive, but we are actually there to help. We take a look at income and expenditure and usually the debtor can make an arrangement for the payment of a lower installment – obviously within reason. You also find those people who make it very clear from the word go that they are not at all prepared to negotiate, and who are then sent a summons by the attorney.

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