3: What proof you are legally allowed to ask for
Before paying anyone, you are allowed to request in writing:
✔ Proof of ownership (cession agreement)
✔ Full statement of account
✔ Breakdown of capital, interest, fees
✔ Date of last payment
✔ Confirmation the debt is not prescribed
No proof = 🚩 red flag.
Fear makes people pay.
Paperwork protects you.