What Is Debt Collection in Hayward, California?

Hayward Debt Collection Lawyers, CA

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"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 Hayward, California governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Hayward, California?

If somebody owes you money and is refusing to pay, you have various 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.

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 Hayward, California collections agency. If you go this route, it is crucial 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 Hayward, California?

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 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.

Luckily, you have some options in Hayward, California. First of all, you should attempt to directly contact the creditor, and see if some adjusted 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 a Hayward, California 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 possible option, given your individual circumstances.

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How Can a Hayward, California Collections Attorney Help?

If you believe that a creditor is violating the law in its attempts to collect from you, you should get in touch with a Hayward, California attorney, since you might truly have a claim for damages against the creditor.

If you are thinking about bankruptcy, a good California bankrutpcy attorney can help guide you through the process.

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Life in Hayward

Hayward, California is a city in Alameda County, California, in the Eastern portion of the San Francisco Bay Area (the "East Bay"). It has a population of 145,000 people. 

Human habitation of the area now known as Hayward, California dates back to at least 6,000 years ago, and probably longer, with various Native American tribes living in the area. In the 19th Century, the first people of European descent settled the area, when Mexican settlers relocated to the Bay Area, at a time when California was still part of Mexico.

Modernly, Hayward, California is home to California State University, East Bay, which is a large public university. This school is particularly known for its excellent programs in business, economics, and education. It also happens to be one of the largest employers in Hayward, and a driving force behind the local economy. Some of the university's graduates have gone on to law school, and are now respected Hayward, California attorneys.

Accordingly, if you need legal advice or information in Hayward, California, chances are good that you will be able to find a local Hayward attorney who can help you with whatever legal issue you might be facing.

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