Your Rights Against Bilkish Associates: How to Avoid Unfair Debt Collection Tactics

How to Stop Bilkish Harassment in 5 Steps

If you feel harassed by Bilkish Associates Dubai, Bilkish Associates India, or Bilkish Philippines, follow these steps to protect yourself:

1. Verify the Debt

Before taking any action, confirm whether the debt is legitimate. Request the following details from Bilkish:

• The name of the original creditor

• The total amount owed

• A breakdown of interest and penalties

• A copy of the signed loan agreement

If they fail to provide proper documentation, you may not be legally obligated to pay.

2. Request Written Communication Only

If you are receiving frequent phone calls, ask Bilkish to communicate only via email or postal mail. This creates a paper trail and prevents verbal miscommunication.

3. Send a Cease and Desist Letter

If Bilkish continues to harass you, send a formal cease and desist letter requesting them to stop contacting you. Include:

• Your full name and account details

• A clear request to cease communication

• A statement that further harassment will result in legal action

4. Report Harassment to Authorities

If Bilkish Associates LLC is violating debt collection laws, file a complaint with the relevant authority:

• UAE: Central Bank of UAE

• India: Reserve Bank of India (RBI) and Consumer Forum

• Philippines: Bangko Sentral ng Pilipinas (BSP) and SEC

5. Seek Legal Assistance

If Bilkish Associates continues to harass you, consult a lawyer specializing in debt collection laws. They can help you challenge unlawful debt collection attempts and negotiate settlements legally.