What Is Debt Collection in Walnut Creek, California?

Find the right Debt Collection attorney in Walnut Creek, CA

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

What if I Am Owed Money in Walnut Creek, California?

If somebody owes you money and is declining to pay, you have many 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 authorized 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 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 Walnut Creek, California collections agency. If you go this route, it is critical to make sure that you hire an agency that is dependable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Walnut Creek, California?

If you really owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving courteously, you should do the same. Even if the caller doesn't behave in a polite 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 Walnut Creek, California. First of all, you should try to directly contact the creditor, and see if some revised 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 normally 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 hired a Walnut Creek, California attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Walnut Creek, 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 Walnut Creek, California attorney, since you might really have a claim for damages against the creditor.

Also, if you're considering applying for bankruptcy, a seasoned attorney in California can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Walnut Creek

Walnut Creek is located in the East Bay of the San Francisco Bay Area. It is near Concord, Sacramento, and San Jose. Many view Walnut Creek at the "business and entertainment hub" of Contra Costa County because of its central location to California's capital and Silicon Valley.

Many Walnut Creek residents are employed by Aetna, HCR Manor Care, Nordstrom, John Muir-Health, Kaiser Permanente, Safeway, Macys, and the City of Walnut Creek. Top corporations in Walnut Creek include Carollo Engineers, American Reprographics, and PMI Group.

with such a working force, legal issues naturally arise. Walnut Creek is home to many small and mid-size firms with excellent attorneys who practice in all areas of law.

Popular attractions include the California Symphony and the Center Repertory Company. Walnut Creek also has a beautiful downtown with great shopping and dining.

Some famous residents include Alice Greczyn, Lester Rodney, Jeff Richards, Jason Newsted, Randy Johnson, and Luke Whitehead.

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