What Is Debt Collection in Wilmington, Delaware?

Find the right Debt Collection attorney in Wilmington, DE

"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 Wilmington, Delaware governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Wilmington, Delaware?

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 rules that govern collections before you proceed, as violating them can hurt your chances of collecting, and even expose you to liability.

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

You may, however, send a written demand for timely payment which lays out to the debtor exactly how much is owed. If a large amount of money is owed to you, it might be a good idea to hire a collections agency in Wilmington, Delaware. These agencies usually take their fee in the form of a percentage of the debt collected. You need to research agencies thoroughly however, and make sure the one you hire does not engage in illegal practices.

What if Someone Is Trying to Collect Money Against Me in Wilmington, Delaware?

If you actually owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in an amicable manner, you should try to do the same. In any case, the worst thing you can do is ignore the issue hoping that it will go away. It won't.

However, you do have some options in Wilmington, Delaware. 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 cease calling you, and they usually are obliged to do so. Of course, this doesn't expunge 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 Wilmington, Delaware lawyer to help, he or she may advise that you file for bankruptcy. If you do apply 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 Wilmington, Delaware Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Wilmington, Delaware attorney, since such conduct on the part of the creditor may actually give you a claim for damages against it.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Wilmington

Wilmington, Delaware is the largest city in the state of Delaware. It currently has a population of about 71,000 people.

The area now known as Wilmington was first colonized by settlers from Sweden in 1638. After World War II, Wilmington, Delaware saw a large increase in prosperity and population, which led to the growth of suburbs around the city.

One of the largest employers in Wilmington is the Port of Wilmington, a large deep-water port, which brings in about 5 million tons of goods each year, playing an important role in the region's economy.

Thanks to its large and diverse economy, the lawyers of Wilmington, Delaware have a broad range of experience and competence. If you live in Wilmington, Delaware and need an attorney, chances are good that there's a Wilmington lawyer who can help you with whatever legal issues you might be facing.

Clients Rate LegalMatch Attorneys
(click to read reviews)

Ian M.
Ian M.

Bankruptcy, Banking & Credit

Richboro, PA

Eddy H.
Eddy H.

Bankruptcy, Banking & Credit

San Mateo, CA

Howard B.
Howard B.

Bankruptcy, Banking & Credit

Rye Brook, NY