What Is Debt Collection in San Francisco, California?

Find the right Debt Collection attorney in San Francisco, CA

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

What if I Am Owed Money in San Francisco, California?

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

For example, it should go without saying that creditors are not allowed to use threatened or actual violence when trying to collect. They are also not allowed to use abusive language to the debtor, or contact a third party about the debt.

Creditors may, however, send written demands for timely payment, along with an invoice that clearly lays out exactly what the debtor owes. If the debt is significant, it might be worth it to hire a San Francisco, California collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is reputable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in San Francisco, California?

If you actually 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 many options at your disposal in San Francisco, California. First, you should try to contact the creditor directly, and see if some sort of deal 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 retained a San Francisco, 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 viable option, given your individual circumstances.

How Can a San Francisco, 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 San Francisco, California attorney, since such conduct on the part of the creditor might actually give you a claim for damages against it.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in San Francisco

San Francisco is one of the most exciting cities in California. Known for its diverse population, liberal atmosphere, and gorgeous location, San Francisco is a small area that has a lot to check out!

One of the most famous attractions is the beautiful Golden Gate Bridge. Gorgeous views of this attraction can be seen from the Lands End hike. Of course, nothing beats actually driving on the bridge and experiencing its beauty.

Other popular attractions include the San Francisco Museum of Art, Chinatown, Ghiradelli Square, Fisherman's Wharf at Pier 39, Golden Gate Park, the Metreon, Union Square, and the beautiful Embarcadero.

Really a few paragraphs cannot encompass the diverse, fun, and exciting vibe of this hip metropolitan city. San Francisco's downtown is known at the "Financial District," which has offices of many high-tech start-ups, Fortune 500 companies, as well as law firms! Everyone from small, to mid-size, to large multi-national firms have an office location in San Francisco. What is great is that Northern California residents can shop around and choose the attorney and/or firm that will suit their needs best. Simply put, San Francisco has it all.

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