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

What if I Am Owed Money in Port Allen, Louisiana?

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.

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 might be worth it to hire a Port Allen, 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 various collections agencies in your area, to make sure the one you hire is dependable, and scrupulously follows the law.

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

Of course, if you owe money and have the ability to pay it, you should do so. If the collections caller is behaving civilly, you should do the same. In any case, it is never a good idea to ignore the issue, because that will definitely not make it go away.

Thankfully, you have various options at your disposal in Port Allen, Louisiana. First, you should try to contact the creditor directly, and see if some sort of agreement can be worked out. If this is unsuccessful, you can tell the collectors to stop contacting you, which may work in some instances. Of course, this doesn't make the debt go away, but it might give you a little bit of breathing room. The collectors will only be allowed to contact you to let you know that they are suing you for the money owed, or that they have stopped attempting to collect the debt.

If you have retained the services of a Port Allen, Louisiana attorney, they might 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 Port Allen, Louisiana Collections Attorney Help?

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

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