Dear Mali2012, I work in the Finance department at Betterware Head Office. Betterware only take legal action as a last resort to recover monies owed,we would much rather come to an agreement directly with an individual. If financial circumstances means repayment is difficult, I suggest youcontact us ASAP to discuss. We are open to discussion with regards torepayments and can hopefully come up with a mutually acceptable repayment planthus avoiding unnecessary legal costs on both sides. Regards