Broadly, the term "Collections" refers to the practice of creditors attempting to force debtors to pay what they owe. There are many laws and regulations in Slatington, Pennsylvania that govern collection agencies, and strictly limit the types of tactics they are allowed to engage in.

What if I Am Owed Money in Slatington, Pennsylvania?

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.

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 Slatington, Pennsylvania collections agency. If you go this route, it is critical to make sure that you hire an agency that is reputable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Slatington, Pennsylvania?

If you actually 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 cordial 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.

However, you do have some options in Slatington, Pennsylvania. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to stop calling you, and they usually are obliged to do so. Of course, this doesn't eliminate the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have retained a Slatington, Pennsylvania attorney during this process, they might advise that the best course of action is to file for bankruptcy. This is a major decision, however, and should not be made lightly. You should only file for bankruptcy if an attorney advises you that it is a viable viable option, given your individual circumstances.

How Can a Slatington, Pennsylvania 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 Slatington, Pennsylvania, 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 Pennsylvania can help you with that process, too.