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

What if I Am Owed Money in North Branford, Connecticut?

If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.

As an example, when trying to collect, creditors may not use abusive language, contact third parties regarding the debt, or use violence or threats of violence.

What you can do, however, is send an invoice of the debt to the debtor, along with a firm (but civil) demand for timely payment. If the debt is significant, you might also want to hire a collection agency in North Branford, Connecticut. You should make sure that any agency you hire is reputable, and has not been cited for violations of the laws governing collections.

What if Someone Is Trying to Collect Money Against Me in North Branford, 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 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.

Luckily, you have some options in North Branford, Connecticut. First of all, you should attempt to directly contact the creditor, and see if some modified 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 usually be obliged to do so. Of course, this doesn't make the debt go away, but it might 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 lawyer in North Branford, Connecticut, they might advise that you file for bankruptcy. Of course, whether or not this is a good idea depends heavily on the facts of your particular case, so you should not do so until an attorney has reviewed the facts and determined that bankruptcy is a viable solution.

How Can a North Branford, Connecticut Collections Attorney Help?

If you believe that a creditor is violating the law in its attempts to collect from you, you should get in touch with a North Branford, Connecticut attorney, since you might actually have a claim for damages against the creditor.

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