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

What if I Am Owed Money in Independence, Kansas?

If somebody owes you money and is refusing to pay, you have many options at your disposal. However, in doing so, you will be governed by very strict consumer protection laws that govern the collection of debts. Breaking these rules can hurt your chances at successfully collecting, and might even expose you to civil liability.

For example, when attempting to collect, creditors are not allowed to use abusive language, contact any third party about the debt, and of course they are not allowed to use threats of violence in an attempt to get their money.

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 considerable, it might be worth it to hire an Independence, Kansas collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is dependable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Independence, Kansas?

If you really owe the money that they are trying to collect, and are able to pay it, doing so would be your best option for ending the collections calls. Of course, this is not everybody's situation. When dealing with collectors, you should try to maintain the high ground by behaving in a calm and civil manner. In any event, you should never ignore the problem, as this usually makes things worse.

Fortunately, you have some options in Independence, Kansas. 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 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 hired an Independence, Kansas lawyer to help, he or she might advise that you file for bankruptcy. If you do file 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 Independence, Kansas Collections Attorney Help?

If you think that the collection agency is violating the law in its attempts to collect, you should probably call an Independence, Kansas attorney, since such behavior on the part of the creditor might actually give you a claim for damages against it.

If you are thinking about filing for bankruptcy, a good lawyer in Kansas can help you with that process, too.