What Is Debt Collection in Hempstead, New York?

Find the right Debt Collection attorney in Hempstead, NY

"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 Hempstead, New York 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 Hempstead, New York?

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.

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 which lays out to the debtor precisely 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 Hempstead, New York. 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 Hempstead, New York?

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 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.

Your best option in Hempstead, New York might be to contact the creditor directly, and try to work out some type of new repayment plan. The sooner 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 typically 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 prepared to defend against a lawsuit from your creditors, since demanding that they stop contacting you usually leaves them with no other option but to sue.

If you have hired a Hempstead, New York lawyer to help, he or she might advise that you file for bankruptcy. If you do file for bankruptcy, creditors are immediately required to suspend all collection activities. Of course, bankruptcy is a major decision, and should not be made without the advice of an attorney.

How Can a Hempstead, New York Collections Attorney Help?

If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in Hempstead, New York, as you might actually have a claim for damages against the collection agency.

If you are thinking about filing for bankruptcy, a good lawyer in New York can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Hempstead

Hempstead comprises one third of the municipalities in Nassau County and is situated in the southeast. Hempstead is much larger than nearby Buffalo playing host to 756,000 New York residents. It is the 14th most populous city in the State of New York. The Town of Hempsead is the 47th largest employer in Long Island with 2,000 employees. The Village of Hempstead is incorporated within the Town of Hempstead that also includes a total of 22 villages and 37 hamlets. There are many lawyers living in Hempstead. Those lawyers are familiar with Nassau County courts and procedures in many different areas of law.  

Hempstead plays host to a number of outstanding parks and recreational areas including the Hempstead Lake State Park, Valley Stream State Park, and Jones Street State Park. The New York State Parks in the Town of Hempstead incorporate fishing areas, covered picnic areas, tennis courts, sports fields, boat launches, hiking, and nature trails. In the winter ice fishing, ice skating, cross-country skiing, and snowmobiling are just a few of the activities offered by state parks in Hempstead. 

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