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

What if I Am Owed Money in Belle Plaine, Minnesota?

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 considerable, you might also want to hire a collection agency in Belle Plaine, Minnesota. You should make sure that any agency you hire is dependable, and has not been cited for violations of the laws governing collections.

What if Someone Is Trying to Collect Money Against Me in Belle Plaine, Minnesota?

If you know that you owe the money being sought of you, and have the ability to pay it, you should do so - this is the quickest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave cordially 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.

Fortunately, you have some options in Belle Plaine, Minnesota. 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 authorized 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 Belle Plaine, Minnesota 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 Belle Plaine, Minnesota Collections Attorney Help?

If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Belle Plaine, Minnesota attorney, since such behavior on the part of the creditor might actually give you a claim for damages against it.

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