What Is Debt Collection in West Springfield, Massachusetts?

Find the right Debt Collection attorney in West Springfield, MA

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

What if I Am Owed Money in West Springfield, 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.

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the exact 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 prudent to hire a West Springfield, Massachusetts collections agency. If you go this route, it is critical to make sure that you hire an agency that is trustworthy, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in West Springfield, Massachusetts?

If you truly owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving civilly, you should do the same. Even if the caller doesn't behave in a civil manner, you should resist the temptation to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.

However, you do have some options in West Springfield, Massachusetts. 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 stop calling you, and they typically are obliged to do so. Of course, this doesn't eliminate 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 hired a West Springfield, Massachusetts lawyer to help, he or she might advise that you file for bankruptcy. If you do file 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 West Springfield, Massachusetts Collections Attorney Help?

If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in West Springfield, Massachusetts, as you might actually have a claim for damages against the collection agency.

If you are thinking about filing for bankruptcy, a good lawyer in Massachusetts can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in West Springfield

West Springfield is part of Hampden County in Massachusetts. It has a population of about 28,000 people and is a popular tourist destination. The city is locally known as "The West Side", which is a reference to its location on the western side of the Connecticut River.

West Springfield is also part of the Massachusetts area known as the Springfield-Hartford "Knowledge Corridor". The Knowledge Corridor is part of a state program designed to promote cultural and economic exchange between several Massachusetts cities. The name Knowledge Corridor derives from the fact that there are over 30 colleges and universities in the sector. The area is also the focus of extensive urban renewal projects.

The city of West Springfield attracts many visitors due to its retail and commercial activities. For example, the Riverdale Road corridor is one of the major retail centers in the area. Tourists also come to the city every September for the Eastern States Exposition or "The Big E", which is the largest fair in the entire northeast region. The fair is home to the Big E Cream Puff and the Craz-E Burger. The Big E lasts for 17 days and features a number of acts, parades, and exhibits.

Lawyers in West Springfield, Massachusetts usually represent their clients at the Springfield District Court Division courthouse. Many West Springfield are members of multiple bar associations including the local Hampden County Bar Association.

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