"Collections" refers to the process by which creditors try to get nonpaying debtors to pay what is owed. There are various laws in Whiteland, Indiana regulating the conduct of collections agences.

What if I Am Owed Money in Whiteland, Indiana?

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

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

You may, however, send a written demand for timely payment. The demand should lay out clearly how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Whiteland, Indiana collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on different collections agencies in your area, to make sure the one you hire is dependable, and thoroughly follows the law.

What if Someone Is Trying to Collect Money Against Me in Whiteland, Indiana?

If you really owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in an amicable manner, you should try to do the same. In any case, the worst thing you can do is ignore the issue hoping that it will go away. It won't.

Fortunately, you have some options in Whiteland, Indiana. First of all, you should attempt 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 authorized 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 Whiteland, Indiana attorney, they may advise that you declare bankruptcy, depending on your individual situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

How Can a Whiteland, Indiana Collections Attorney Help?

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

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