What Is Debt Collection in Kettering, Ohio?

Find the right Debt Collection attorney in Kettering, OH

"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 Kettering, Ohio 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 Kettering, Ohio?

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, it should go without saying that creditors are not allowed to use threatened or actual violence when trying to collect. They are also not authorized to use abusive language to the debtor, or contact a third party about the debt.

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 Kettering, Ohio. You should make sure that any agency you hire is dependable, and has not been cited for violations of the laws governing collections.

What if Someone Is Trying to Collect Money Against Me in Kettering, Ohio?

If you really owe the money that they are trying 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 civil manner. In any event, you should never ignore the problem, as this usually makes things worse.

However, you do have some options in Kettering, Ohio. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to stop calling you, and they normally are obliged to do so. Of course, this doesn't eliminate the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have hired a Kettering, Ohio 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 Kettering, Ohio Collections Attorney Help?

If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Kettering, Ohio attorney, since such behavior 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 Ohio can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Kettering

Kettering lies in both Greene and Montgomery County. It is a suburb of Ohio, nearby Dayton. The suburb is of decent size, with an approximate population of 56,170 people.

The suburb has three popular attractions. First is Fraze Pavilion, which is an outdoor entertainment venue. Next is Dayton Philharmonic, which is also an entertainment venue. Lastly, there is the Town and County Shopping Center, a great open-air mall to do some shopping and grab some food!

Famous residents include Tony P. Hall, John Paxson, Jim Paxson, Brooklyn Decker, Brady Hoke, and Kim Richey.

Kettering is also home to some attorneys. These attorneys are able to provide residents with excellent legal guidance, as well as referrals, if need be.

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