What Is Debt Collection in Fountain Valley, California?
"Collections" is the process by which creditors try to get nonpaying debtors to pay the money they owe. There are a huge number of laws in Fountain Valley, California governing the tactics that collection agencies can and cannot do.
What if I Am Owed Money in Fountain Valley, California?
If somebody owes you money and is declining to pay, you have various options at your disposal. However, in doing so, you will be governed by very specific consumer protection rules that govern the collection of debts. Violating these rules can hurt your chances at effectively collecting, and might even expose you to civil liability.
As an example, when attempting to collect, creditors may not use abusive language, contact third parties regarding the debt, or use violence or threats of violence.
You may, however, send a written demand for timely payment. The demand should lay out precisely how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Fountain Valley, California collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on different collections agencies in your area, to make sure the one you hire is trustworthy, and thoroughly follows the law.
What if Someone Is Trying to Collect Money Against Me in Fountain Valley, California?
If you truly owe the money that they are attempting 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 amicable manner. In any event, you should never ignore the problem, as this usually makes things worse.
Thankfully, you have numerous options at your disposal in Fountain Valley, California. First, you should try to contact the creditor directly, and see if some sort of solution can be worked out. If this is unsuccessful, you can tell the collectors to stop contacting you, which may work in some instances. Of course, this doesn't make the debt go away, but it might give you a little bit of breathing room. The collectors will only be allowed to contact you to let you know that they are suing you for the money owed, or that they have stopped trying to collect the debt.
If you have retained a Fountain Valley, California attorney during this process, they might advise that the best course of action is to apply for bankruptcy. This is a major decision, however, and should not be made easily. You should only apply for bankruptcy if an attorney advises you that it is a viable possible option, given your individual circumstances.
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How Can a Fountain Valley, California 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 Fountain Valley, California attorney, since you might truly have a claim for damages against the creditor.
Also, if you are considering bankruptcy as an option, a seasoned California attorney can help guide you through the process.
Debt Collection Attorneys in the Largest CA Cities
Life in Fountain ValleyFountain Valley, California has a population of about 55,000 and is located in Orange County. It was named after the many artesian wells found in the area during the time of the city's founding. Fountain Valley is mostly a residential bedroom community.
As a suburb, much of Fountain Valley, California is comprised of residential neighborhoods. However, the city has experienced a significant increase in commercial employment, particularly in the area known as the "Southpark" district. Southpark district is home to offices for several major corporations, including Starbucks and D-Link. The national headquarters for Hyundai Motor America is also located in Fountain Valley.
One of the main attractions in the city of Fountain Valley, California is Mile Square Regional Park. The park contains three different 18-hole golf courses, two spectacular lakes, sports fields, picnic areas, and a nature area filled with native Californian plants. Mile Square Regional Park also has a recreation center complete with tennis, racquetball, and basketball courts. Fountain Valley is also just minutes away from many Southern California amusement parks.
Lawyers in Fountain Valley, California help the community by assisting in a wide range of different legal fields. Fountain Valley lawyers can help answer legal questions, provide explanations of various laws, and represent clients in court.