What Is Debt Collection in Palm Bay, Florida?

Find the right Debt Collection attorney in Palm Bay, FL

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

What if I Am Owed Money in Palm Bay, 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 laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.

Some 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 clearly lays out exactly what the debtor owes. If the debt is substantial, it might be worth it to hire a Palm Bay, Florida collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is trustworthy, and hasn't been cited for violations of consumer protection laws.

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

If you know that you owe the money being sought of you, and have the capacity to pay it, you should do so - this is the quickest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave cordially with the collection callers, especially if they are doing the same. Whatever you do, you should not ignore the matter, because this will never make the problem go away, and will make things worse in the long run.

Fortunately, you have some options in Palm Bay, Florida. First of all, you should try 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 permitted 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 Palm Bay, Florida lawyer to help, he or she might advise that you file for bankruptcy. If you do file 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 Palm Bay, Florida Collections Attorney Help?

If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in Palm Bay, Florida, as you might actually have a claim for damages against the collection agency.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Palm Bay

Palm Bay, Florida is the largest city in Brevard County. Its population is approximately 101,000 as of a 2008 Census estimate.

The earliest European settlers to arrive in the area now known as Palm Bay showed up in 1850, building homes along Turkey Creek. By the late 1800s, there was a lumber mill, a packing house, orange groves, and several other industries in Palm Bay. However, growth was quite slow during that period. This changed in 1894, with the arrival of the railroad in Palm Bay.

Modernly, Palm Bay's economy is largely based around tourism. Because it is right on the Atlantic coast, and enjoys a warm, subtropical climate, it is popular among visitors, as well as people who wish to relocate, particularly retirees.

Palm Bay is also home to the Turkey Creek Sanctuary, a small nature preserve that showcases Florida's natural beauty. It is home to many native wildlife species, turtles, alligators, and dozens of types of birds. It has trails for hiking, bicycling, and jogging. The eponymous creek is an important breeding area for both freshwater and saltwater fish.

If you live in Palm Bay, Florida, and need an attorney, chances are good that you'll be able to find one. There are plenty of Palm Bay, Florida attorneys who can help you with whatever legal issues you may be facing.

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