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

What if I Am Owed Money in East Baton Rouge Parish, Louisiana?

If somebody owes you money and is declining to pay, you have various 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.

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

Creditors may, however, send written demands for timely payment, along with an invoice that precisely lays out exactly what the debtor owes. If the debt is substantial, it might be worth it to hire an East Baton Rouge Parish, Louisiana 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 East Baton Rouge Parish, Louisiana?

If you truly 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 East Baton Rouge Parish, Louisiana. 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 typically 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 an East Baton Rouge Parish, Louisiana 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 possible option, given your individual circumstances.

How Can a East Baton Rouge Parish, Louisiana Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call an East Baton Rouge Parish, Louisiana attorney, since such actions on the part of the creditor may actually give you a claim for damages against it.

Also, if you are considering bankruptcy as an option, a seasoned Louisiana attorney can help guide you through the process.