What Is Debt Collection in La Mesa, California?

La Mesa Debt Collection Lawyers, CA

Find the Right Lawyer Now

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

What if I Am Owed Money in La Mesa, California?

If somebody owes you money and is declining to pay, you have several 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.

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the precise 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 wise to hire a La Mesa, California collections agency. If you go this route, it is necessary 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 La Mesa, California?

If you actually 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.

Luckily, you have some options in La Mesa, California. First of all, you should try to directly contact the creditor, and see if some altered 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 usually be obliged to do so. Of course, this doesn't make the debt go away, but it may 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 the services of a La Mesa, California attorney, they may advise that you declare bankruptcy, depending on your particular situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

Find a La Mesa Lawyer that Specializes in Your Area of Need:

How Can a La Mesa, 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 La Mesa, California attorney, since you might actually have a claim for damages against the creditor.

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

46 Bankruptcy, Banking and Credit cases posted to LegalMatch lawyers in La Mesa

Debt Collection Attorneys in the Largest CA Cities

Show California Cities

Life in La Mesa

La Mesa, California is a city in San Diego County, California. It has a population of about 57,000 people.

La Mesa is a quiet, middle-class community. Its median household income of about $55,000 per year, which is roughly in line with the national average. About 9% of its population lives below the poverty line, which is somewhat less than the national average. La Mesa, California directly borders the city of San Diego, which is the second-largest city in California, and a major economic hub for the area, with industries like shipbuilding, ports, tourism, and the military all having a large presence in the area. 

These industries employ people in a wide range of fields, including many white-collar professionals such as La Mesa, California lawyers. 

Many of these professionals live in La Mesa, California to take advantage of the quiet, affordable nature of a suburb, while still having access to the amenities and economic opportunity that only a big city can offer.

If you live in La Mesa, California, and need legal services, chances are good that there's a La Mesa, California attorney who can help. 

Debt Collection Lawyers in Other California Cities and Towns


Find the Right Lawyer Now

Need a Bankruptcy Lawyer?

No obligation - Lawyers compete for your case. Choose your issue & get started now: