"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 Dahlonega, Georgia governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Dahlonega, Georgia?

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.

The law prohibits creditors from engaging in any form of violence against the debtor in an attempt to collect. It also bars them from using abusive language or contacting third parties about the debt owed by the debtor.

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 Dahlonega, Georgia. You should make sure that any agency you hire is reputable, and has not been cited for violations of the rules governing collections.

What if Someone Is Trying to Collect Money Against Me in Dahlonega, Georgia?

If you know that you owe the money being sought of you, and have the resources to pay it, you should do so - this is the fastest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave courteously 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.

Luckily, you have some options in Dahlonega, Georgia. First of all, you should try to directly contact the creditor, and see if some revised 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 may 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 retained a Dahlonega, Georgia attorney during this process, they might advise that the best course of action is to apply for bankruptcy. This is a major decision, however, and should not be made easily. You should only apply for bankruptcy if an attorney advises you that it is a viable viable option, given your individual circumstances.

How Can a Dahlonega, Georgia Collections Attorney Help?

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

If you are thinking about bankruptcy, a seasoned Georgia bankrutpcy attorney can help guide you through the process.