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

What if I Am Owed Money in Metairie, Louisiana?

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.

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 Metairie, Louisiana 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 meticulously follows the law.

What if Someone Is Trying to Collect Money Against Me in Metairie, Louisiana?

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.

Fortunately, you have some options in Metairie, Louisiana. 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 hired a Metairie, Louisiana lawyer to help, he or she may advise that you file for bankruptcy. If you do apply 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 Metairie, Louisiana Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Metairie, Louisiana 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 applying for bankruptcy, a seasoned lawyer in Louisiana can help you with that process, too.