"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 Winnemucca, Nevada 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 Winnemucca, Nevada?

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 laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.

As an example, when trying to collect, creditors may not use abusive language, contact third parties regarding the debt, or use violence or threats of violence.

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the exact amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be prudent to hire a Winnemucca, Nevada collections agency. If you go this route, it is necessary to make sure that you hire an agency that is reputable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Winnemucca, Nevada?

If you actually owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in a cordial 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.

Luckily, you have some options in Winnemucca, Nevada. First of all, you should attempt to directly contact the creditor, and see if some adjusted payment plan can be worked out. If this doesn't work, you can ask the collectors to stop contacting you by phone, and they will usually be obliged to do so. Of course, this doesn't make the debt go away, but it might give you some time to collect yourself and prepare a legal defense. Once this happens, the collection agency can only contact you to inform you that it intends to sue you for the debt owed.

If you have retained a Winnemucca, Nevada attorney during this process, they might advise that the best course of action is to file for bankruptcy. This is a major decision, however, and should not be made lightly. You should only file for bankruptcy if an attorney advises you that it is a viable viable option, given your individual circumstances.

How Can a Winnemucca, Nevada 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 Winnemucca, Nevada 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 Nevada can tell you if this is a good option, and, if it is, help you through the process.