What Is Debt Collection in Fitchburg, Massachusetts?

Find the right Debt Collection attorney in Fitchburg, MA

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

What if I Am Owed Money in Fitchburg, Massachusetts?

If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to 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 substantial, it might be worth it to hire a Fitchburg, Massachusetts 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 Fitchburg, Massachusetts?

If you truly 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 cordial manner. In any event, you should never ignore the problem, as this usually makes things worse.

Fortunately, you have some options in Fitchburg, Massachusetts. 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 permitted 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 lawyer in Fitchburg, Massachusetts, they might advise that you file for bankruptcy. Of course, whether or not this is a good idea depends heavily on the facts of your specific case, so you should not do so until an attorney has reviewed the facts and determined that bankruptcy is a possible solution.

How Can a Fitchburg, Massachusetts Collections Attorney Help?

If you think that a collection agency is engaging in unlawful tactics, you should call a local Fitchburg, Massachusetts attorney, as you might have a claim for damages against the creditor or the collection agency.

Also, if you're considering filing for bankruptcy, a good attorney in Massachusetts can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Fitchburg

Fitchburg is the third largest city in Worcester County, Massachusetts. According to the 2010 census, it has a population of 40,318 people. Fitchburg is a city big on education, being home to Fitchburg State University, and also seventeen public and private elementary and high schools.

Some fun sites to check out are Fitchburg Historical Society, the Fitchburg Art Museum, Coggshall Park, the Wallace Civic Center, and Cornerstone Performing Arts Center.

Notable residents of Fitchburg include Michael Beasley, George Crowther, Ryan Gomes, Art Longsjo, Pat Moran, and Marion Rice.

Many attorneys have established law offices in Fitchburg to take care of the legal needs of residents. These attorneys are very capable and focus on providing excellent legal services.

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