What Is Debt Collection in Garden Grove, California?
"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 Garden Grove, California governing the tactics that collection agencies can and cannot do.
What if I Am Owed Money in Garden Grove, California?
If somebody owes you money and is refusing to pay, you have many options at your disposal. However, in doing so, you will be governed by very strict consumer protection laws that govern the collection of debts. Breaking these rules can hurt your chances at successfully collecting, and might even expose you to civil 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.
You may, however, send a written demand for timely payment. The demand should lay out clearly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Garden Grove, 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 various collections agencies in your area, to make sure the one you hire is dependable, and carefully follows the law.
What if Someone Is Trying to Collect Money Against Me in Garden Grove, California?
If you really 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 cordial manner. In any event, you should never ignore the problem, as this usually makes things worse.
Thankfully, you have various options at your disposal in Garden Grove, California. First, you should try to contact the creditor directly, and see if some sort of agreement 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 attempting to collect the debt.
If you have hired a lawyer in Garden Grove, California, they might advise that you file for bankruptcy. Of course, whether or not this is a good idea depends heavily on the facts of your individual case, so you should not do so until an attorney has reviewed the facts and determined that bankruptcy is a feasible solution.
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How Can a Garden Grove, California Collections Attorney Help?
If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Garden Grove, California attorney, since such behavior on the part of the creditor might actually give you a claim for damages against it.
If you are thinking about filing for bankruptcy, a good lawyer in California can help you with that process, too.
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Debt Collection Attorneys in the Largest CA Cities
Life in Garden GroveGarden Grove is located near the beautiful area of Orange County, California. Garden Grove is a quaint city of approximately 170,883 and is known for being home to Robert H. Schuller's Crystal Cathedral.
The city primarily strives from the hotel industry and retail locations of all types. The area also has offices for Air Industries Corp., Driessen Aircraft Interior Systems, GKN Aerospace Transparency Systems, and Mircrosemi Integrated Products. For all legal inquiries, residents of Garden Grove look to Orange County. Orange County is home to a few law schools, as well as large, mid-size, and small firms offering legal services in all legal practice areas.
Attractions in Garden Grove include the Crystal Cathedral referred to above, and the Atlantis Play Center, a great spot for families. Other popular attractions are located nearby in Orange County and include Disneyland, California Adventures, Downtown Disney, Long Beach, Newport Beach, and Huntington Beach. All in all, Garden Grove is a small city in a beautiful area that offers its residents a wonder quality of life.