What Is Debt Collection in Portage, Michigan?

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

What if I Am Owed Money in Portage, Michigan?

If someone owes you money and won't pay, you have some legal options to seek repayment of your debt. However, you need to be careful in this area. There are many laws and regulations detailing what debt collectors can and cannot do. Breaking these laws, even inadvertently, can harm your chances at collecting, and maybe even expose you to civil penalties.

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.

You may, however, send a written demand for timely payment. The demand should lay out exactly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Portage, Michigan 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 reputable, and carefully follows the law.

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

Of course, if you owe money and have the ability to pay it, you should do so. If the collections caller is behaving cordially, 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 many options at your disposal in Portage, Michigan. First, you should try to contact the creditor directly, and see if some sort of deal 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 hired a lawyer in Portage, Michigan, 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 particular case, so you should not do so until an attorney has reviewed the facts and determined that bankruptcy is a viable solution.

How Can a Portage, Michigan Collections Attorney Help?

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

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Portage

Portage is a Kalamazoo County city that incorporated as an official Michigan State city in 1963. There are roughly 45,000 Michigan State residents living in Portage which is known nationally for its fantastic network of well kept historical parks, trails, and other recreational areas. The bikeway system, constructed in 1989, totals over 50 miles long accessing nearly every portion of Portage. That's over five times the length of the city's expressways! The Kalamazoo Air Zoo, an aviation museum, is a popular attraction for visitors. Great restaurants like the Craftsman Chop Company, Fieldstone Grill, and Bravo Restaurant Café attract tourist and local clientele with their outstanding dishes. There are also plenty of chain restaurants within city limits. Shopping is also a Portage attraction. The Crossroads Mall is the largest retail center in all of Southwest Michigan providing shoppers with a wide range of choices. Some visitors opt to stay in the accommodations near the mall but there are also a number of other locally owned hotels available.

Portage serves as a somewhat major distribution center as a result of affordable warehousing and convenient location along major state highways. So much business is sure to attract plenty of professionals like lawyers. Portage lawyers can help you sort out whatever legal issue you may encounter and they also have experience with local Portage, Kalamazoo County, and Michigan State court procedures. Portage is a destination for so many different things like business and pleasure making it quite the rising star attraction in the State of Michigan.