What Is Debt Collection in Torrance, California?

Find the right Debt Collection attorney in Torrance, 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 Torrance, California governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Torrance, 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.

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 Torrance, California collections agency. If you go this route, it is important 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 Torrance, California?

Of course, if you owe money and have the ability to pay it, you should do so. If the collections caller is behaving civilly, 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.

Fortunately, you have some options in Torrance, California. First of all, you should try to contact the creditor directly, and see if something can be worked out. If this doesn't work, you can demand that the collection agency stop contacting you by phone. When this happens, they are not allowed to contact you further. This, of course, doesn't make the debt go away, but if the calls are becoming unbearable, it might buy you a little bit of time. Usually, when this happens, the creditor gives up on extra-judicial collections, and files a lawsuit against the debtor.

If you have retained the services of a Torrance, California attorney, they might 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.

How Can a Torrance, California Collections Attorney Help?

If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in Torrance, California, as you might actually have a claim for damages against the collection agency.

If you are thinking about filing for bankruptcy, a good lawyer in California can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Torrance

Torrance, California is a city located in the southwestern region of Los Angeles County. Within city limits, Torrance has over 1.5 miles of unbroken beachfront, to which most of its 145,000 residents have access.

Torrance can trace its early history to a 1784 Spanish land grant. Wealthy landowners established several large ranches in the area that would eventually become Torrance.

Modernly, Torrance is a vibrant, environmentally-conscious community. It is home to one of the very few wetlands situated in an urban area. They are set aside as a nature preserve, which was once set for oil drilling. The efforts of conservationists and Torrance, California environmental lawyers prevented this from happening, however.

Many foreign corporations have their American headquarters in Torrance, including Toyota and Honda. These companies employ a large number of people in a wide range of professions, including local Torrance, California lawyers who represent the interests of their employers in the United States.

If you live in Torrance, California, and find yourself in need of legal services, it's very likely that there's a Torrance, California attorney who can help you out.

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