What Is Debt Collection in Fairfield, Connecticut?

Find the right Debt Collection attorney in Fairfield, CT

"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 Fairfield, Connecticut governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Fairfield, Connecticut?

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.

The law blocks creditors from engaging in any form of violence against the debtor in an attempt to collect. It additionally bars them from using abusive language or contacting third parties about the debt owed by the debtor.

You may, however, send a written demand for timely payment. The demand should lay out precisely how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Fairfield, Connecticut collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on different collections agencies in your area, to make sure the one you hire is trustworthy, and meticulously follows the law.

What if Someone Is Trying to Collect Money Against Me in Fairfield, Connecticut?

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 Fairfield, Connecticut 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 retained a Fairfield, Connecticut attorney during this process, they might advise that the best course of action is to apply for bankruptcy. This is a major decision, however, and should not be made easily. You should only apply for bankruptcy if an attorney advises you that it is a viable possible option, given your individual circumstances.

How Can a Fairfield, Connecticut 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 Fairfield, Connecticut attorney, since you might truly have a claim for damages against the creditor.

Also, if you're considering applying for bankruptcy, a seasoned attorney in Connecticut 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 Fairfield

Fairfield, Connecticut is a city located in Fairfield County. It has a population of approximately 57,000 people. Fairfield has been ranked by Money Magazine as one of the top 10 places to live in the U.S. It was ranked by the same publication as the best place to live in the Northeast, owing to its high median household income, relatively low home prices, extremely low crime rates, and quality of schools, among many other factors. Fairfield was originally established in the 1630s by a breakaway Puritan sect from the Massachusetts Bay Colony. During the American Revolutionary War, Fairfield was the site of significant fighting, and was particularly hard-hit by the ruthless, scorched-earth tactics of some British commanders, with many residents having their homes and businesses burned. Modernly, Fairfield, Connecticut is home to a large number (for a city its size) of major multinational corporations, including General Electric. It shouldn't be a surprise, then, that Fairfield, Connecticut is home to quite a few competent attorneys, who have to be ready to serve an extremely diverse and sophisticated client base. It's very likely that, whatever Fairfield, Connecticut lawyer you choose, they'll be able to help you with your legal problem.

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