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

What if I Am Owed Money in Wayne County, 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.

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

What you can do, however, is send an invoice of the debt to the debtor, along with a firm (but civil) demand for timely payment. If the debt is substantial, you might also want to hire a collection agency in Wayne County, Michigan. You should make sure that any agency you hire is trustworthy, and has not been cited for violations of the laws governing collections.

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

Of course, if you owe money and have the ability to pay it, you should do so. If the collections caller is behaving civilly, 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.

Fortunately, you have some options in Wayne County, Michigan. 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 Wayne County, Michigan attorney to help you through this process, he or she might advise that you declare bankruptcy. Once this occurs, creditors are legally barred from attempting to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Wayne County, Michigan Collections Attorney Help?

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

If you are thinking about bankruptcy, a good Michigan bankrutpcy attorney can help guide you through the process.