What Is Debt Collection in Gloucester, New Jersey?

Find the right Debt Collection attorney in Gloucester, NJ

"Collections" refers broadly to the countless tools that creditors have at their disposal to acquire payment from debtors who are not paying what they owe. There are many Gloucester, New Jersey 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 Gloucester, New Jersey?

If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the rules that govern collections before you proceed, as violating them can hurt your chances of collecting, and even expose you to liability.

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.

Creditors may, however, send written demands for timely payment, along with an invoice that precisely lays out exactly what the debtor owes. If the debt is significant, it might be worth it to hire a Gloucester, New Jersey collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is reputable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Gloucester, New Jersey?

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

Your best option in Gloucester, New Jersey might be to contact the creditor directly, and try to work out some type of new repayment plan. The earlier you do this, the more receptive to your ideas the creditor is likely to be. If this isn't successful, you can demand that the collectors stop contacting you by phone, and they will usually be obliged to do so. Of course, this doesn't make the debt go away, and you should only take this route if you are ready to defend against a lawsuit from your creditors, since demanding that they stop contacting you generally leaves them with no other option but to sue.

If you have hired a Gloucester, New Jersey attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Gloucester, New Jersey Collections Attorney Help?

If you think that a collection agency is engaging in abusive tactics, you should call a local Gloucester, New Jersey attorney, as you might have a claim for damages against the creditor or the collection agency.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Gloucester

Gloucester, also known as Gloucester Township, is located in New Jersey's Camden County. It has a population of around 64,634, per the 2010 census.

Many may not think so, but Gloucester has been home to some famous residents. These celebrities include John A. Dramesi, Kyle Hines, Jim Jackson, Sandra Love, and David R. Mayer.

Another surprise to some may be that Gloucester is also home to some practicing attorneys. These attorneys have established law offices where they practice law, consult with clients, and work diligently to serve their clients' needs.

Overall, Gloucester offers a wonderful quality of life to anyone and everyone.

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