What Is Debt Collection in Everett, Washington?
"Collections" refers to the practices engaged in by creditors designed to obtain payment from debtors who are not interested in paying what they owe. In Everett, Washington, there are various laws which severely limit the practices that collections agencies can engage in.
What if I Am Owed Money in Everett, Washington?
If someone owes you money and declines to pay it, you have many options at your disposal. However, when it comes to collecting their debts, creditors are governed by specific consumer protection rules. Violation of these rules while attempting to collect could hurt your chances at effectively recovering your money, and/or subject you to civil penalties.
For example, it should go without mentioning that creditors are not allowed to use threatened or actual violence when attempting to collect. They are also not authorized to use abusive language to the debtor, or contact a third party about the debt.
Creditors may, however, send written demands for timely payment, along with an invoice that precisely lays out exactly what the debtor owes. If the debt is considerable, it might be worth it to hire a Everett, Washington collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is dependable, and hasn't been cited for violations of consumer protection laws.
What if Someone Is Trying to Collect Money Against Me in Everett, Washington?
If you really owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving amicably, you should do the same. Even if the caller doesn't behave in a amicable manner, you should resist the urge to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.
Your best option in Everett, Washington might be to contact the creditor directly, and try to work out some type of new repayment plan. The earlier you do this, the more receptive to your ideas the creditor is likely to be. If this isn't successful, you can demand that the collectors stop contacting you by phone, and they will normally be obliged to do so. Of course, this doesn't make the debt go away, and you should only take this route if you are ready to defend against a lawsuit from your creditors, since demanding that they stop contacting you typically leaves them with no other option but to sue.
If you have hired a Everett, Washington attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.
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How Can a Everett, Washington Collections Attorney Help?
If you believe that a creditor is violating the law in its effort to collect from you, you should get in touch with a Everett, Washington attorney, since you may actually have a claim for damages against the creditor.
If you are thinking about bankruptcy, a seasoned Washington bankrutpcy attorney can help guide you through the process.
203 Bankruptcy, Banking and Credit cases posted to LegalMatch lawyers in Everett
Debt Collection Attorneys in the Largest WA Cities
Life in EverettEverett is located in Snohomish County, Washington. It is well-recognized because it is approximately 25 miles from Seattle.
Some well-recognized areas include the assembly plant for Boeing Corporation, the U.S. Navy Homeport Naval Station Everett, and the USS Abraham Lincoln. Alongside these popular areas include many popular attractions. For instance, the Everett Symphony, the Evergreen Arboretum and Gardens, the Future of Flight Aviation Center & Boeing Tour, Imagine Children's Museum, Narbeck Wetland Sanctuary, and the Performing Arts Center-Village Theater are sites that many visitors make sure to see before leaving Everett.
Top employers include Boeing, Naval Station Everett, Provident Regional Medial Center Everett, Frontier Communications Northwest, Aviation Technical Services and Zumiez.
Since many attorneys also call Everett home, they have established small practices to cater to the needs of residents. Thus, residents do not have to travel far to tend to their legal needs.
All in all, Everett is a wonderful place to visit or call home!