"Collections" refers to the process by which creditors attempt to get nonpaying debtors to pay what is owed. There are many laws in Harvey, Illinois regulating the conduct of collections agences.

What if I Am Owed Money in Harvey, Illinois?

If someone owes you money and refuses to pay it, you have various options at your disposal. However, when it comes to collecting their debts, creditors are governed by strict consumer protection rules. Violation of these rules while attempting to collect could hurt your chances at successfully recovering your money, and/or subject you to civil penalties.

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 Harvey, Illinois 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 Harvey, Illinois?

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 civilly 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 Harvey, Illinois. 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 retained the services of a Harvey, Illinois attorney, they might advise that you declare bankruptcy, depending on your specific situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

How Can a Harvey, Illinois 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 Harvey, Illinois, as you might actually have a claim for damages against the collection agency.

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