Bad Service MTN and SSDS

I got retrenched from my job last year, and at the time had a MTN Contract . I was paying while not working till my finances got very bad.<br> The last time I payed was in June or July. Now that I go a job and want to settle my debt I see on my Credit Record that I have a Default against me placed in February this year .<br> I believe as a business you have to first contact your client before putting bad things on their credit records.<br> <br> When I took that contract phone, I stated my cellphone numbers, my email address, home address and my postal address. How hard is it to get in contact with me before putting a Default against me.<br> <br> Now I get some messages from some SSDA (Shapiro Shaik Defries & Associates) in regards to my outstanding/overdue MTN account.<br> I have no idea who this SSDA is and I will never deposit money to people I don't know.<br> <br> Even they cant phone but at least they sms unlike MTN but they don't even tell me how much my balance is.<br> <br> I hope you (MTN and your SSDA) improve the way you run your business, this i peoples lives your messing with.<br> <br> when you want to sell us your products you call but when you really need to call us you just use your power and alter our Credit Records.