Debt Collection Agencies - experience?
Four years ago I turned one of my hobbies into a small business. A student offered to do my accounts for me in return for private lessons (she owns her own accountancy).
Three years later I receive an invoice from her company, I explain the situation and hear no more. A year later I receive another invoice. I have continually attempted to contact this student but she avoids all contact, doesn't turn up for meetings arranged via her secretary etc.
Bizarre behaviour but you live and learn.
Neither of us have much proof either way as the contract was verbal, apart from a few emails which allude to the situation, and obviously undertaking 3 years of work before the first invoice came. I've never accepted or even seen any charges before this time.
Long story short, I have sent her a breach of contract letter, - I suspect, given her avoidance of me she will continue to fight this. She may instruct a debt collection agency before it goes to small claims court.
So my question is, before it may go to court, are these DCA easy to deal with, - they're not people I have any experience of, although I am told they can be 'terriers'.
My main concern is a DCA turning up at my business - can they do that? Trying to embarrass me in front of neighbours, constant calls and visits won't be enjoyable. And how long can that go on for until it goes to court?
Any advice/experience shared appreciated!