What Is Debt Collection in Clay, Alabama?

Clay Debt Collection Lawyers, AL

Find the Right Lawyer Now

"Collections" is the process by which creditors attempt to get nonpaying debtors to pay the money they owe. There are a large number of laws in Clay, Alabama governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Clay, Alabama?

If you are owed money and the debtor refuses to pay, you have some options at your disposal. However, you must tread lightly when it comes to collecting your debts. Creditors and collectors are governed by strict consumer protection rules. Violating these rules can hurt your chances of recovering what you are owed, and even subject you to civil or criminal penalties.

Some practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual violence.

You may, however, send a written demand for timely payment. The demand should lay out exactly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Clay, Alabama collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on various collections agencies in your area, to make sure the one you hire is reputable, and scrupulously follows the law.

What if Someone Is Trying to Collect Money Against Me in Clay, Alabama?

If you actually owe the money that they are trying to collect, and are able to pay it, doing so would be your best option for ending the collections calls. Of course, this is not everybody's situation. When dealing with collectors, you should try to maintain the high ground by behaving in a calm and civil manner. In any event, you should never ignore the problem, as this usually makes things worse.

Luckily, you have some options in Clay, Alabama. First of all, you should attempt to directly contact the creditor, and see if some modified payment plan can be worked out. If this doesn't work, you can ask the collectors to stop contacting you by phone, and they will usually be obliged to do so. Of course, this doesn't make the debt go away, but it might give you some time to collect yourself and prepare a legal defense. Once this happens, the collection agency can only contact you to inform you that it intends to sue you for the debt owed.

If you have hired a Clay, Alabama attorney to help you through this process, he or she might advise that you declare bankruptcy. Once this occurs, creditors are legally barred from attempting to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

Find a Clay Lawyer that Specializes in Your Area of Need:

How Can a Clay, Alabama Collections Attorney Help?

If you believe that a creditor is violating the law in its attempts to collect from you, you should get in touch with a Clay, Alabama attorney, since you might actually have a claim for damages against the creditor.

If you are thinking about bankruptcy, a good Alabama bankrutpcy attorney can help guide you through the process.

Debt Collection Attorneys in the Largest AL Cities

Show Alabama Cities

Debt Collection Lawyers in Other Alabama Cities and Towns


Find the Right Lawyer Now

Top Rated Lawyers

View attorney profiles and see how other LegalMatch users rate attorneys that may respond to your case.

Bankruptcy, Banking and Credit Lawyer
LegalMatch Bankruptcy, Banking and Credit Lawyer Scott J.

Scott J.

JEFFERSON, AL

Bankruptcy, Banking and Credit

Rating (4 users) *****
See Reviews
General Practice Lawyer
LegalMatch General Practice Lawyer Paul S.

Paul S.

DEKALB, AL

General Practice

Rating (1 users) *****
See Reviews
Family Law Lawyer
LegalMatch Family Law Lawyer Teresa V.

Teresa V.

LICKING, OH

Family Law

Rating (1 users) *****
See Reviews
Personal Injury Lawyer
LegalMatch Personal Injury Lawyer Dion C.

Dion C.

ALBANY, WY

Personal Injury

Rating (4 users) ****
See Reviews

Need a Bankruptcy Lawyer?

No obligation - Lawyers compete for your case. Choose your issue & get started now: