What Is Debt Collection in Derry, New Hampshire?

Find the right Debt Collection attorney in Derry, NH

"Collections" refers broadly to the numerous tools that creditors have at their disposal to receive payment from debtors who are not paying what they owe. There are many Derry, New Hampshire 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 Derry, New Hampshire?

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 strict consumer protection rules. Violating these rules can hurt your chances of recovering what you are owed, and even subject you to civil or criminal penalties.

The law prohibits creditors from engaging in any form of violence against the debtor in an attempt to collect. It also 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 exactly 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 Derry, New Hampshire. These agencies usually take their fee in the form of a percentage of the debt collected. You need to research agencies carefully 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 Derry, New Hampshire?

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.

However, you do have some options in Derry, New Hampshire. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to stop calling you, and they usually are obliged to do so. Of course, this doesn't eliminate the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have hired a Derry, New Hampshire 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 Derry, New Hampshire 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 Derry, New Hampshire attorney, since you might actually have a claim for damages against the creditor.

Also, if you're considering filing for bankruptcy, a good attorney in New Hampshire can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Derry

Named after a city in Ireland, Derry, New Hampshire is located an hour Boston and an hour from the Great White Mountains of New Hampshire. With a location like that, it is no wonder people enjoy living and visiting Derry. Derry's Irish meaning is "oak woods." The town of Derry is located in Rockingham County and home to close to 35,000 residents.

Derry happens to be the fourth most populous community in the state of New Hampshire. Derry is home to wonderful museums and an opera house that make it an enjoyable place to live and visit. Derry also has a nationally recognized public and private school education system, a factor many parents in Derry enjoy.

With such a close proximity to Boston, home to Harvard Law School and Boston Law School (to name a few) it is no wonder that there are so many talented lawyers in Derry. Derry Lawyers specialize in a range of legal practices and are able to serve their local clients with a high level of competence. Lawyers in Derry can help their clients with any legal issue they may find themselves dealing with. Derry lawyers are just another positive aspect of this charming city.

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