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

What if I Am Owed Money in Paris, Kentucky?

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

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.

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the precise amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be wise to hire a Paris, Kentucky collections agency. If you go this route, it is important to make sure that you hire an agency that is dependable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Paris, Kentucky?

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 a polite 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.

However, you do have some options in Paris, Kentucky. 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 retained a Paris, Kentucky attorney during this process, they might advise that the best course of action is to apply for bankruptcy. This is a major decision, however, and should not be made easily. You should only apply for bankruptcy if an attorney advises you that it is a viable feasible option, given your individual circumstances.

How Can a Paris, Kentucky Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Paris, Kentucky attorney, since such behavior on the part of the creditor may actually give you a claim for damages against it.

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