What Is Debt Collection in Moreno 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 Moreno Valley, California governing the tactics that collection agencies can and cannot do.
What if I Am Owed Money in Moreno 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.
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 permitted to use abusive language to the debtor, or contact a third party about the debt.
What you can do, however, is send an invoice of the debt to the debtor, along with a firm (but civil) demand for timely payment. If the debt is substantial, you might also want to hire a collection agency in Moreno Valley, California. You should make sure that any agency you hire is trustworthy, and has not been cited for violations of the rules governing collections.
What if Someone Is Trying to Collect Money Against Me in Moreno Valley, California?
Of course, if you owe money and have the capacity to pay it, you should do so. If the collections caller is behaving courteously, you should do the same. In any case, it is never a good idea to ignore the issue, because that will definitely not make it go away.
Your best option in Moreno Valley, California 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 typically 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 usually leaves them with no other option but to sue.
If you have hired a lawyer in Moreno Valley, California, they might advise that you apply for bankruptcy. Of course, whether or not this is a good idea depends strongly on the facts of your specific case, so you should not do so unless an attorney has reviewed the facts and determined that bankruptcy is a possible solution.
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How Can a Moreno Valley, California Collections Attorney Help?
If you think that a collection agency is engaging in unlawful tactics, you should call a local Moreno Valley, California attorney, as you might have a claim for damages against the creditor or the collection agency.
If you are thinking about applying for bankruptcy, a seasoned lawyer in California can help you with that process, too.
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Life in Moreno ValleyMoreno Valley sits in the Southwestern region of California near Riverside. As the second largest city in Riverside County, Moreno Valley plays host to the March Air Reserve Base and a number of its personnel. The base has been in and out of commission training pilots for the World Wars but has been very active since. It's also the top employer in Moreno Valley with over 9,000 employees. The other top employers include the Moreno Valley School District, Riverside County Regional Medical Center, and the expansive Moreno Valley Mall. The Moreno Valley Mall is home to some of the best shopping in Riverside County with a number of boutique and different designer stores.
The City of Moreno Valley is known for its diversity. After World War II a number of Central American and Latino groups moved to the area to take advantage of the available suburban housing. There are still a number of Mexican American shops catering to Latino immigrants. Additionally, the African American population in Moreno Valley has risen 15% since 2002 with more and more families seeking to get out of Los Angeles city limits. There are a number of Moreno Valley festivals like Cinco de Mayo.
Moreno Valley is a diverse community that also plays host to many knowledgeable lawyers who are familiar with Riverside County and California State courts and cases like criminal cases, divorce, personal injury, and wrongful termination lawsuits. Since residents come from so many different places, Moreno Valley lawyers are also well acquainted with U.S. Immigration Courts and procedures.