What Is Debt Collection in Rochester, New York?

Find the right Debt Collection attorney in Rochester, NY

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

If someone owes you money and won't pay, you have some legal options to seek repayment of your debt. However, you need to be careful in this area. There are many laws and regulations detailing what debt collectors can and cannot do. Breaking these laws, even inadvertently, can harm your chances at collecting, and maybe even expose you to civil penalties.

For example, when attempting to collect, creditors are not allowed to use abusive language, contact any third party about the debt, and of course they are not allowed to use threats of violence in an attempt to get their money.

You may, however, send a written demand for timely payment. The demand should lay out exactly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Rochester, New York collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on various collections agencies in your area, to make sure the one you hire is reputable, and scrupulously follows the law.

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

If you actually owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving civilly, you should do the same. Even if the caller doesn't behave in a civil manner, you should resist the temptation to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.

Luckily, you have some options in Rochester, New York. First of all, you should attempt to directly contact the creditor, and see if some modified 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 hired a Rochester, New York attorney to help you through this process, he or she might advise that you declare bankruptcy. Once this occurs, creditors are legally barred from attempting to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Rochester, New York Collections Attorney Help?

If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Rochester, New York attorney, since such conduct on the part of the creditor might actually give you a claim for damages against it.

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 Rochester

Rochester is the second largest regional economy in the State of New York and the seat of Monroe County. They city's had a number of different names bestowed upon it such as "the World's Image Centre," "the Flour City," "and more recently, "the Flower City."

Annual Festivals like the Rochester International Jazz Festival, Rochester-High Falls International Film Festival, ImageOut, Lesbian Gay Film Video Festival, and the Lilac Festival are all attractions bring an average of 500,000 visitors to the city. Many of them take place at the Dryden and Little Theatres. The St. Patrick's Day, Rose Festival, Irish, Greek, Gay Pride, Puerto Rican, and Cold Rush Winter Celebration parades are held in the downtown district of Rochester.

Additional tourist attractions include the George Eastman House International Museum of Photography and Film that is the World's oldest photography museum and the Blue Cross Arena at the War Memorial which is the main venue for hockey and lacrosse events. The Blue Cross Arena is home to the Rochester Americans hockey team, Rochester Razorsharks basketball team, and the Knighthawks lacrosse team. The Blue Cross Arena was elected the location for the NCAA Division I Men's ice hockey league and was host to the 2007 NCAA Men's Division I Ice Hockey East Regional.

Residents of Rochester enjoy access to a number of bar certified local lawyers. Rochester lawyers regularly practice in local courts and many have specific areas of expertise. If you've been injured, have an immigration issue, or even just want to secure your will, Rochester lawyers can advise you on different options of which you may not be aware.

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