The Power of Asking Questions: How to Put Creditors on the Back Foot

Creditors and their agents want one thing: compliance. They’re trained to speak with authority, hoping you’ll accept every demand without resistance. But the moment you start asking questions, the balance shifts.

Why Questions Work

In civil law, the burden of proof sits with the claimant. That means creditors must show evidence - not just make statements. Questions expose gaps in their claims and force them to prove their case.

Questions That Change the Conversation

• “Can you provide the original contract I signed?”

• “Who owns this debt now, and what evidence of transfer do you have?”

• “What legal right do you have to process my personal data?”

• “Has this debt been verified by a properly executed agreement?”

These aren’t aggressive. They’re calm, factual, and devastatingly effective.

The Psychological Effect

Questions create doubt - not in you, but in them. It shows you’re not an easy target. Suddenly, the script they use on thousands of others doesn’t work on you. They know you’re prepared to challenge, and that makes them cautious.

Building Your Paper Trail

Asking questions in writing is even more powerful. Every unanswered question becomes part of your defence if the matter goes to court. Judges pay attention to gaps in evidence, especially when the debtor has clearly sought clarity.

From Defence to Offence

The irony? By asking questions, you’re not just defending yourself - you’re putting the creditor on the back foot. They now carry the weight of proving every claim, every number, every letter of authority.

The law is simple: the claimant must prove their case. Your job is to ask the right questions until the bluff runs out.

For ready-made templates and proven strategies, see my e-book Defusing the Debt Bomb 2. It was written for ordinary people who want to turn the tables on creditors without needing a law degree.