What Is Debt Collection in Naples, Florida?

Find the right Debt Collection attorney in Naples, FL

"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 Naples, Florida governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Naples, Florida?

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.

Several practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual violence.

Creditors may, however, send written demands for timely payment, along with an invoice that precisely lays out exactly what the debtor owes. If the debt is significant, it might be worth it to hire a Naples, Florida collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is reputable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Naples, Florida?

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 a polite 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.

Fortunately, you have some options in Naples, Florida. First of all, you should attempt to contact the creditor directly, and see if something can be worked out. If this doesn't work, you can demand that the collection agency stop contacting you by phone. When this happens, they are not allowed to contact you further. This, of course, doesn't make the debt go away, but if the calls are becoming unbearable, it might buy you a little bit of time. Usually, when this happens, the creditor gives up on extra-judicial collections, and files a lawsuit against the debtor.

If you have hired a lawyer in Naples, Florida, 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 Naples, Florida Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Naples, Florida 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 Florida attorney can help guide you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Naples

Naples may remind some of Europe, however Naples is also a city in Collier County, Florida. It is a very small city, with a population of about 21,650 people.

The economy largely thrives off of tourism. Naples is a popular vacation spot because it is known as "the Paradise Coast." Alongside tourism, the largest employer is the Fortune 1000 company Health Management Associates. Other top employers include Arthrex and INgage Networks. With such a variety of employers, Naples residents are able to sufficiently provide for themselves. In fact, Napes was ranked amongst the tenth priciest cities.

Popular attractions include the Everglades National Park, Florida Panther National Wildlife Refuge, Picayune Strand Forest, and Corkscrew Swamp Sanctuary.

Naples is also filled with many small law offices. Attorneys focus on providing personalized legal services, and are very capable of providing their clients with excellent legal services.

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