What Is Debt Collection in Troy, New York?

Find the right Debt Collection attorney in Troy, NY

"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 Troy, 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 Troy, New York?

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

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

What you can do, however, is send an invoice of the debt to the debtor, along with a firm (but civil) demand for timely payment. If the debt is considerable, you might also want to hire a collection agency in Troy, New York. You should make sure that any agency you hire is dependable, and has not been cited for violations of the rules governing collections.

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

If you know that you owe the money being sought of you, and have the ability 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 amicably 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 Troy, New York 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 normally 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 typically leaves them with no other option but to sue.

If you have hired a Troy, New York lawyer to help, he or she may advise that you file for bankruptcy. If you do apply 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 Troy, New York 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 Troy, New York attorney, since you may actually have a claim for damages against the creditor.

Also, if you're considering applying for bankruptcy, a seasoned attorney in New York 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 Troy

Troy is the county seat of Rensselaer County, New York. The city was settled as early as 1787 and currently lists its population at about 49,000 people. Troy is nicknamed "the Collar City" on account of its history of producing shirts, collars, and other types of clothing.

Troy is also famous for its connection with Samuel Wilson, who is thought to be the basis for "Uncle Sam". Uncle Sam is the personified character of America, and he lived near Riverfront Park in Troy. A memorial there commemorates his life and inspiration to the country.

Currently, Troy preserves a great deal of Victorian architecture in the Central Troy Historic District. Another beautiful place to visit is Franklin Plaza, where an elaborately designed ballroom makes formal occasions even more elegant.

Troy is a festive and thriving city. According to recent statistics, the city has not been affected by economic conditions as much as other areas in the nation. Some popular events in Troy include the Troy Flag Day Parade, the Uncle Sam Parade, the Troy Turkey Trot, and Troy Night Out. Residents and visitors alike can catch a glimpse of early American culture simply by being in Troy.

Troy lawyers usually represent their clients at the Troy City Court. Much like Uncle Sam, lawyers in Troy City, New York exemplify the American ideals of justice and equality.

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