What Is Debt Collection in Raleigh, North Carolina?

Find the right Debt Collection attorney in Raleigh, NC

"Collections" refers broadly to the various tools that creditors have at their disposal to get payment from debtors who are not paying what they owe. There are many Raleigh, North Carolina laws and regulations concerning the conduct of collections agencies, and what they can and cannot do in order to collect.

What if I Am Owed Money in Raleigh, North Carolina?

If you are owed money and the debtor refuses to pay, you have some options at your disposal. However, you must tread lightly when it comes to collecting your debts. Creditors and collectors are governed by specific consumer protection laws. Violating these laws can hurt your chances of recovering what you are owed, and even subject you to civil or criminal penalties.

For example, when trying to collect, creditors are not allowed to use abusive language, contact any third party regarding 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 may be worth it to hire a Raleigh, North Carolina collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on different collections agencies in your area, to make sure the one you hire is reputable, and thoroughly follows the law.

What if Someone Is Trying to Collect Money Against Me in Raleigh, North Carolina?

If you actually 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 amicable manner. In any event, you should never ignore the problem, as this usually makes things worse.

Thankfully, you have many options at your disposal in Raleigh, North Carolina. 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 trying to collect the debt.

If you have hired a Raleigh, North Carolina lawyer to help, he or she may advise that you file for bankruptcy. If you do apply for bankruptcy, creditors are immediately required to suspend all collection activities. Of course, bankruptcy is a major decision, and should not be made without the advice of an attorney.

How Can a Raleigh, North Carolina 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 Raleigh, North Carolina attorney, since you may actually have a claim for damages against the creditor.

If you are thinking about applying for bankruptcy, a seasoned lawyer in North Carolina can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Raleigh

Raleigh is the capital of North Carolina and seat of Wake County. Raleigh is one of the three cities with Durham and Chapel Hill that's known as the "Research Triangle." It's known as such because North Carolina State University, Duke University and University of North Carolina Chapel Hill make up the three major research universities. As you may imagine, Raleigh is home then to a number of students and outstanding professors who are known internationally for their expertise. You may not know that Raleigh also has both historical and cultural attractions.

Raleigh is founded in 1792 and named for Sir Walter Raleigh who was a famous aristocrat and explorer. The Downtown region of Raleigh is home to lots of attractions like the North Carolina State Capital, North Carolina Museum of Natural Sciences, and Museum of History. For history buffs who want to learn more about the City of Raleigh, the Raleigh City Museum in the historic Briggs Hardware Building on Fayetteville Street offers an unique view inside the growth and roots of the ever changing city. Peace College, Shaw University, Wake Technical Community College, and Strayer University are a few of the institutions of higher learning available. There are over 8,100 acres of park land in Raleigh. That even includes a championship BMX racetrack, botanical gardens, arboretum, and 22 staffed community centers.

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