What Is Debt Collection in Jersey City, New Jersey?

Find the right Debt Collection attorney in Jersey City, NJ

"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 Jersey City, 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 Jersey City, 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 substantial, it might be worth it to hire a Jersey City, New Jersey collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is trustworthy, and hasn't been cited for violations of consumer protection laws.

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

If you truly 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.

Fortunately, you have some options in Jersey City, New Jersey. 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 hired a Jersey City, 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 Jersey City, New Jersey 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 Jersey City, New Jersey attorney, since you might truly have a claim for damages against the creditor.

Also, if you're considering applying for bankruptcy, a seasoned attorney in New Jersey 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 Jersey City

Jersey City is a place rich in culture, with something for everyone in the family to enjoy. Located between the Hudson River and Upper New York Bay, Jersey City is situated right across from Lower Manhattan. Although Manhattan is known for wonderful attractions and high tourism, Jersey City is filled with historic neighborhoods, museums, shopping malls, and beautiful city parks.

For all those history-lovers out there, you can book a cruise to Ellis Island, visit Harsimus Cemetery, or tour the Underground Railroad and experience the footsteps of many escaped slaves. If shopping is your forte, visitors can shop till they drop! Jersey City is home to ten major shopping districts filled with large department stores, contemporary boutiques, and specialty stores. For those who love museums, Jersey City has many museums that highlight the city's history and art. However if visitors would just like to relax and soak in the beauty, Jersey City has many beautiful city parks. Two of the most famous parks are Liberty State Park and Leonard Gordon Park.

Alongside the beautiful parks is the city's beautiful waterfront port of entry. The waterfront port runs about 11 miles long and truly is a site not to miss! Many major corporations and industries have found a home along this beautiful waterfront. In fact, the Goldman Sachs building stands at 238 meters and is one of the 200 tallest buildings in the world. Goldman Sachs is not the only Fortune 500 Company to be located in Jersey City. Major corporations such as Chase Manhattan Bank, Charles Schwab, and Merill Lynch have also found a home in Jersey City.

To top it off, Jersey City has one of the most diverse populations in the United States. Known as a "Tapestry of Nations," the city is home to Jewish, Italian, Cuban, Filipino, Polish, Indian, Irish, Puerto Rican, Dominican, African, Arab, and Asian communities. Therefore, visitors will be introduced to many cultures and ethnicities when visiting this wonderful place. Such a population, rich with many ethnicities and cultures, is also rich with a variety of different professionals. There are many attorneys who practice in all areas of law in Jersey City. Not only are many major law firms located in Jersey City, but the city also has a number of small to medium sized law firms. Undoubtedly, any legal issue that you have can be resolved by the many competent attorneys who call Jersey City their home.

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