What Is Debt Collection in Griffin, Georgia?

Find the right Debt Collection attorney in Griffin, GA

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

What if I Am Owed Money in Griffin, 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.

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 Griffin, Georgia 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 Griffin, Georgia?

If you actually owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving courteously, you should do the same. Even if the caller doesn't behave in a polite manner, you should resist the urge to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.

Thankfully, you have many options at your disposal in Griffin, Georgia. First, you should try to contact the creditor directly, and see if some sort of deal can be worked out. If this is unsuccessful, you can tell the collectors to stop contacting you, which may work in some instances. Of course, this doesn't make the debt go away, but it might give you a little bit of breathing room. The collectors will only be allowed to contact you to let you know that they are suing you for the money owed, or that they have stopped trying to collect the debt.

If you have hired a Griffin, Georgia 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 Griffin, 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 Griffin, Georgia attorney, since you might actually have a claim for damages against the creditor.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Griffin

Griffin is the county seat of Spalding County in the state of Georgia. It has a population of about 23,000 and prides itself in preserving its rich history revolving around early American colonial life.

Griffin is also known as "the Iris City" and is famous for being the birthplace of Wild West gunslinger Doc Holliday, who was a friend of the legendary Wyatt Earp. The city has several museums which showcase artifacts and relics dating back to the 1800's. These include the Griffin Museum and the Doc Holliday Museum.

Popular places to visit in Griffin are the Sam Bailey Building, the Old Medical College Historical Area, and Hawkes Library. The city holds many events year-round such as the Fourth of July Parade, the November Chili Cook-off, the April Arts and Crafts Festival, and the Annual Chamber of Commerce Dinner.

Downtown Griffin is unique in that it incorporates what is known as the "Main Street Four-Point Approach". This is a strategy that focuses on the distinct areas of Design, Promotion, Organization, and Economic Restructuring.

Lawyers in Griffin, Georgia typically file their cases at the Griffin Municipal Court. More advanced claims are heard at the Spalding County Superior Court. Griffin lawyers generally handle a wide variety of legal claims and issues. The Spalding County Courthouse was also an historical landmark in Georgia.

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