假如家人爭街數﹑卡數走佬,點處理?

1. 如果未去到收數公司, 你可以咁做:
拆哂佢d銀行同財務欠債 / 追數信, 攞哂d資料. 再寫封信俾所有債權銀行 / 財務 (格式如下):
Dear Sir,
Re: Mr. A [HKID No. A123456(7)] - XX Bank VISA no. 4919191919191919
As the present occupier of this address I hereby notify you that the aforementioned person does not reside in this address. Neither I nor any current occupier of this address have any means of contacting him, nor do we have any forwarding information about him.
I hereby demand that you cease immediately to deliver all communications in whatever form of whatsoever nature intended for the above-named to my address, including, but not limited to, personal visits to my address by your employees, representatives, agents and / or any other persons associated with you not mentioned herewith.
Failure to do so will result in my taking legal action against you for harassement. I also reserve the right to claim damages against you for any losses, both actual and inferred, which may arise due to actions of harassement by your employees, agents, representatives and / or any other persons associated with you not mentioned herewith.
Your immediate acknowledgement of my demands is expected.
Yours faithfully,
Ms. B
寄哂俾所有銀行 / 財務的法律部(唔好寄去信用卡中心或收數公司. 唔知地址就打去總機問), 叫佢停止寄信俾你.
2. 但係, 因層樓有兩個人名, 收數公司去田土廳一查, 見個地址有佢名, 應該會照揾人嚟收數. 所以如果有收數佬上門, 你要小心以下重點:
法律上A無簽擔保, 咁A係無責任代B還債的. 收數公司亦深知呢樣嘢. 但佢哋會威迫利誘B "自願" 代佢還.
所以第一大忌係佢哋打幾次電話嚟, 你就幫佢入數. 咁做會俾d收數佬一個訊息, 兇你幾兇, 打幾個電話你就會代還, 咁佢哋追數目標就會係你, 行動會沒完沒了. 佢哋只認錢, 唔需理邊個出, 你有, 咪追你囉! 唔係正式要你代債仔還債, 而係煩到你自願代佢還. 所以千萬唔可以代還!
第二大忌係切忌話可以揾到A. 佢哋揾佢唔到, 但你揾到, 咁咪俾壓力你, 迫你交人或要你揾佢囉.
貼張通告在大門:
有關: 欠債人B [香港身份証編號A1234567]
上述人仕不在此地址居住. 現居住客亦無此人之任何通信 / 聯絡資料.
任何人仕登門欲找尋上述人仕, 均會被視為刑事滋擾, 將被送警究冶.
如果仍搞住你, 就報警.
但要小心, A同B有個聯名戶口及層樓有兩個人嘅名. A唔還錢, 銀行除咗揾收數公司外, 重可入禀法庭告佢. 如果銀行勝訴, 法庭會頒令將佢資產變賣還債. 即係要賣樓. 得到嘅款項還咗按揭後佢果一半會用嚟還債. B果一半歸B. 最壞打算B會無咗層樓, 無屋住. 而聯名戶口一半嘅錢亦會無咗.
所以如果揾到B, 應趁未爆鑊前將層樓轉名, 戶口嘅錢亦應轉走.

極端的講，B有兩種處理方式：
1. 幫 A 還晒的錢，等 A可以唔使着草；
2. 幫 B 收起的單據，或甚至以收信人已搬走既理由，退回單據俾卡公司 / 債主。咁做好似好串，但可以令件事盡快搞清楚。如果 B 冇幫 A 簽擔保，法律上係冇還錢責任既。如果卡公司 / 收數公司上門滋擾，可以報警。