What Is Debt Collection in Delray Beach, Florida?
"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 Delray Beach, Florida governing the tactics that collection agencies can and cannot do.
What if I Am Owed Money in Delray Beach, Florida?
If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.
As an example, when trying to collect, creditors may not use abusive language, contact third parties regarding the debt, or use violence or threats of violence.
One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the exact amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be prudent to hire a Delray Beach, Florida collections agency. If you go this route, it is necessary to make sure that you hire an agency that is trustworthy, and follows the relevant law to the letter.
What if Someone Is Trying to Collect Money Against Me in Delray Beach, Florida?
If you truly owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in a civil manner, you should try to do the same. In any case, the worst thing you can do is ignore the issue hoping that it will go away. It won't.
Luckily, you have some options in Delray Beach, Florida. 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 typically 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 retained the services of a Delray Beach, Florida attorney, they might advise that you declare bankruptcy, depending on your specific situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.
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How Can a Delray Beach, Florida Collections Attorney Help?
If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in Delray Beach, Florida, as you might actually have a claim for damages against the collection agency.
If you are thinking about filing for bankruptcy, a good lawyer in Florida can help you with that process, too.
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Life in Delray BeachDelray Beach, Florida has a lot more to it than beautiful beaches and ocean side charm. Historically, this is an area known to be a favorite of Native American hunters, trappers, and slaves. Years later, in 2007, this area was labeled as the United State's "drug recovery capital" because it became the country's largest recovery communities As a result, the mayor passed an ordinance making it illegal to operate sober houses.
Who would ever have though such an interesting history was behind Delray Beach. Currently, Delray's economy is largely based on tourism. The city is filled with beautiful beaches, and popular events such as The Delray Affair, The Delray Garlic Fest, Delray Walk, and Art & Jazz on the Avenue. Many of these events are filled with music, good food and drinks, and a wonderful, entertaining ambiance. Other popular attractions include the Roji-en Japanese Gardens, the American Orchid Society Visitor Center and Botanical Garden, Spady Museum, Downtown Delray Arts District, and Cason Cottage.
Delray Beach is also filled with many law offices. These offices are run by attorneys dedicated to providing excellent legal services, while serving their community with personalized service.
All in all, Delray Beach is a beautiful area to live in; an area with an interesting past and a promising future.