What Is Debt Collection in Guilford, Connecticut?

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

What if I Am Owed Money in Guilford, Connecticut?

If somebody owes you money and is declining to pay, you have several 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 prohibits creditors from engaging in any form of violence against the debtor in an attempt to collect. It also 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 exactly how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Guilford, 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 reputable, and thoroughly follows the law.

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

If you actually owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving amicably, you should do the same. Even if the caller doesn't behave in an amicable 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.

Thankfully, you have many options at your disposal in Guilford, Connecticut. 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 trying to collect the debt.

If you have hired a lawyer in Guilford, Connecticut, they might advise that you apply for bankruptcy. Of course, whether or not this is a good idea depends strongly on the facts of your particular case, so you should not do so unless an attorney has reviewed the facts and determined that bankruptcy is a viable solution.

How Can a Guilford, Connecticut Collections Attorney Help?

If you think that a collection agency is engaging in abusive tactics, you should call a local Guilford, Connecticut attorney, as you might have a claim for damages against the creditor or the collection agency.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Guilford

Guilford was settled in 1639 and is one of the oldest cities in the state of Connecticut. It is located in New Haven County and has a population of about 22,000. The city is noted for its collection of historic homes. The Henry Whitfield house in Guilford is the oldest dwelling structure in Connecticut and the oldest stone house in all of North America.

Currently Guilford is a great area to live and visit if you are looking for an old "green town" feel. The city is lively and hosts a mix of annual events such as the Guilford LobsterFest and the Guilford Fair. Guilford also has many town parks which perfect for such activities as jogging, bocce games, ice skating, and winter sports.

Historic places to visit in Guilford are numerous and provide people with a glimpse into early American settlement life. Some of these places are the Guilford Historic Town Center and the Comfort Starr House. The Guilford Green is the town's pride and center of activity for the community. Many of the city's most important events such as graduations are held there. It is also a great backdrop for photo sessions.

Lawyers in Guilford, Connecticut typically file their cases at the nearby New Haven County Courthouse. The court hears claims in civil, criminal, and family, traffic, and juvenile law. Guilford lawyers may be contacted for advice and representation in a wide range of legal matters.

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