What Is Debt Collection in Towson, Maryland?

Find the right Debt Collection attorney in Towson, MD

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

What if I Am Owed Money in Towson, Maryland?

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 rules that govern collections before you proceed, as violating them can hurt your chances of collecting, and even expose you to liability.

Several practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual violence.

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 considerable, it might be worth it to hire a Towson, Maryland collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is dependable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Towson, Maryland?

If you really owe the money that they are attempting 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 polite manner. In any event, you should never ignore the problem, as this usually makes things worse.

However, you do have some options in Towson, Maryland. 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 normally 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 hired a Towson, Maryland attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Towson, Maryland Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Towson, Maryland 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 Maryland can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Towson

Towson, Maryland is the county seat of Baltimore County. Its population of over 53,000 residents makes it the second largest unincorporated county seat in the entire U.S. Towson is recognized as an excellent city for retail and shopping endeavors.

The highlight of Towson is the Towson Town Center. The Town Center is Baltimore County's largest indoor shopping mall. It has four stories filled with all types of different shops, including a unique bookstore located structurally underneath Joppa Road. Another great place to visit is Alleghany Avenue, Towson' main downtown street. Alleghany Avenue is famous for its wide variety of local eateries.

Education is also a major aspect of Towson life. Towson University (TU) is located in the city and has an associated body of 20,000 students. The largest business school in Maryland is located at the University, as are the Towson Center arena and Unitas Stadium.

Several prominent persons have called Towson their home: football legend Johnny Unitas, Olympic swimmer Michael Phelps, and writer F. Scott Fitzgerald, to name a few.

The Maryland District Court has a branch conveniently located in Towson. The District Court is where most Towson lawyers file legal claims. Lawyers in Towson, Maryland are a great asset to the city and its community.

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