What Is Debt Collection in Whittier, California?

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

What if I Am Owed Money in Whittier, California?

If somebody owes you money and is refusing to pay, you have various 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 permitted 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 Whittier, California collections agency. If you go this route, it is crucial to make sure that you hire an agency that is trustworthy, and follows the relevant law to the letter.

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

If you truly owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving civilly, you should do the same. Even if the caller doesn't behave in a civil manner, you should resist the temptation 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.

However, you do have some options in Whittier, California. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to stop calling you, and they typically are obliged to do so. Of course, this doesn't eliminate the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have hired a Whittier, California lawyer to help, he or she might advise that you file for bankruptcy. If you do file for bankruptcy, creditors are immediately required to suspend all collection activities. Of course, bankruptcy is a major decision, and should not be made without the advice of an attorney.

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

Also, if you are considering bankruptcy as an option, a good California attorney can help guide you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Whittier

Whittier is located in Los Angeles County in the state of California. About 12 miles away from Los Angeles, Whittier is a favored commuter city with its bustling economic and residential scene. Whittier, California was named after John Greenleeaf Whittier, a famous poet. The city has over 85,000 residents and was first incorporated in 1898.

Whittier, California is an excellent city for recreation and leisure activities. The city maintains an extensive recreation department that offers youth sports, adult instructional courses, and senior activities. Shopping is excellent in places like the Whittwood Town Center, which is a mall featuring various national retail stores. In addition, the city of Whittier places much emphasis on the development of cultural arts in the city, with projects like the Whittier Cultural Arts Foundation, Art in Public Places, and the Community Arts Coalition.

With its rich history, Whittier, California is also known for its high concentration of historic landmarks, registered both nationally and with the state of California. In particular, the Pio Pico State Historic Park is a well-frequented site, as well as the Whittier Museum. Whittier College is also located in the city and is one of the major employers for the region.

Lawyers in Whittier, California serve the community by offering legal services in a diverse range of fields. Whittier lawyers typically file lawsuits at the Superior Court of California, County of Los Angeles. Experienced lawyers in Whittier can help address legal inquires and provide representation in court.

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