What Is Debt Collection in Rochester, New Hampshire?

Find the right Debt Collection attorney in Rochester, NH

"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 Rochester, 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 Rochester, 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 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.

The law blocks creditors from engaging in any form of violence against the debtor in an attempt to collect. It additionally 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. The demand should lay out precisely how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Rochester, New Hampshire 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 trustworthy, and thoroughly follows the law.

What if Someone Is Trying to Collect Money Against Me in Rochester, New Hampshire?

If you truly owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in an amicable manner, you should try to do the same. In any case, the worst thing you can do is ignore the issue hoping that it will go away. It won't.

Fortunately, you have some options in Rochester, New Hampshire. First of all, you should attempt 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 retained the services of a Rochester, New Hampshire attorney, they may advise that you declare bankruptcy, depending on your specific situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

How Can a Rochester, New Hampshire 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 Rochester, New Hampshire attorney, since you might truly have a claim for damages against the creditor.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Rochester

Rochester is home to 32,000 Strafford County residents who live in New Hampshire's largest region, the Seacoast region. Rochester is home to Skyhaven Airport and the annual Rochester Fair. The Rochester Fair has lots of games, carnival ride, and even food, wine, and fine dining tents.

The 45 square miles Rochester covers was incorporated in 1772 and encompasses both East Rochester and Gonic Villages. The heavily wooded area have a number of very tall White Pine trees that were reserved to be used as masts for Royal Navy Ships. During the Revolutionary War, Rochester was used as a meeting place for soldiers before traveling to their assignments.

A Civil War monument once stood in the downtown section of town and commemorated the 54 men who died in Rochester but during World War II, cannons on the side were melted down for use in the war. The monument today depicts a civil war scene accented by four World War II guns. Rochester is a destination for many American history buffsand localschool trips.

Rochester is an attractive community that is ideally situated in the New England region.The city allows a wide variety of professionals, artists, and students to commute to nearby cities and states. It's geographic locationprovides dramatic autumn trees attracting tourists from around theglobe.

Rochester has been a place where important people have gone to live because it is positioned in such a desirable location within New England. This includes Inventor Isaac Adams, Governors, U.S. Congressmen, Senators, and Arctic explorers like Charles Francis Hall. Rochester is home to some great lawyers today too. Rochester lawyers are familiar with local courts and their rigid procedures. They can help you do everything from getting money for an injury to disentangling your personal assets with an ex-husband or ex-wife.

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