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

What if I Am Owed Money in Okaloosa County, 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 an Okaloosa County, 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 Okaloosa County, 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.

Your best option in Okaloosa County, Florida 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 usually 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 generally leaves them with no other option but to sue.

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

If you believe that the collections agency is engaging in unlawful or abusive activity, you should consult with a local attorney in Okaloosa County, Florida, as you may actually have a claim for damages against the collection agency.

If you are thinking about applying for bankruptcy, a seasoned lawyer in Florida can help you with that process, too.