What Is Debt Collection in Flint, Michigan?

Find the right Debt Collection attorney in Flint, MI

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

What if I Am Owed Money in Flint, Michigan?

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.

The law blocks creditors from engaging in any form of violence against the debtor in an attempt to collect. It additionally 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 which lays out to the debtor precisely how much is owed. If a large amount of money is owed to you, it might be a good idea to hire a collections agency in Flint, Michigan. These agencies usually take their fee in the form of a percentage of the debt collected. You need to research agencies thoroughly however, and make sure the one you hire does not engage in illegal practices.

What if Someone Is Trying to Collect Money Against Me in Flint, Michigan?

If you know that you owe the money being sought of you, and have the capacity to pay it, you should do so - this is the fastest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave amicably with the collection callers, especially if they are doing the same. Whatever you do, you should not ignore the matter, because this will never make the problem go away, and will make things worse in the long run.

Luckily, you have some options in Flint, Michigan. First of all, you should try to directly contact the creditor, and see if some altered payment plan can be worked out. If this doesn't work, you can ask the collectors to stop contacting you by phone, and they will typically be obliged to do so. Of course, this doesn't make the debt go away, but it may give you some time to collect yourself and prepare a legal defense. Once this happens, the collection agency can only contact you to inform you that it intends to sue you for the debt owed.

If you have retained a Flint, Michigan attorney during this process, they might advise that the best course of action is to apply for bankruptcy. This is a major decision, however, and should not be made easily. You should only apply for bankruptcy if an attorney advises you that it is a viable possible option, given your individual circumstances.

How Can a Flint, Michigan Collections Attorney Help?

If you believe that a creditor is violating the law in its effort to collect from you, you should get in touch with a Flint, Michigan attorney, since you might truly have a claim for damages against the creditor.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Flint

If anyone has seen the documentary on GM by Michael Moore titled Roger Me, they will recognize Flint, Michigan. Flint is the birthplace of General Motors.

Flint is located 66 miles from Detroit, is the seventh largest city in Michigan, and is home to approximately 102,434 people.

Popular attractions in Flint include the Flint Children's Museum, the Flint Institute of Arts, Longway Planetarium, Sloan Museum, Crossroads Village Huckleberry Railroad, and the Whaley House Museum.

Transportation is the largest industry in Flint. To serve this industry, attorneys in and around Flint are capable of handling legal matters that corporations in Flint, as well as residents, need resolved.

Overall, Flint is a homely town with down-to-earth, hard-working residents. Although Flint is a small area, the legal force around Flint and in Michigan is quite capable of handling the legal matters of Flint residents.

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