"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 Post Falls, Idaho governing the tactics that collection agencies can and cannot do.

What if I Am Owed Money in Post Falls, Idaho?

If someone owes you money and won't pay, you have several legal options to seek repayment of your debt. However, you need to be careful in this area. There are many rules and regulations detailing what debt collectors can and cannot do. Violating these laws, even inadvertently, can harm your chances at collecting, and maybe even expose you to civil penalties.

For example, it should go without mentioning that creditors are not allowed to use threatened or actual violence when attempting to collect. They are also not authorized to use abusive language to the debtor, or contact a third party about the debt.

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 considerable, you might also want to hire a collection agency in Post Falls, Idaho. You should make sure that any agency you hire is dependable, and has not been cited for violations of the rules governing collections.

What if Someone Is Trying to Collect Money Against Me in Post Falls, Idaho?

If you really 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.

However, you do have some options in Post Falls, Idaho. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to cease calling you, and they normally are obliged to do so. Of course, this doesn't expunge the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have hired a Post Falls, Idaho attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Post Falls, Idaho Collections Attorney Help?

If you think that a collection agency is engaging in illegal tactics, you should call a local Post Falls, Idaho attorney, as you might have a claim for damages against the creditor or the collection agency.

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