What Is Debt Collection in Eugene, Oregon?

Find the right Debt Collection attorney in Eugene, OR

Broadly, the term "Collections" refers to the practice of creditors attempting to force debtors to pay what they owe. There are various laws and regulations in Eugene, Oregon that govern collection agencies, and strictly limit the types of tactics they are authorized to engage in.

What if I Am Owed Money in Eugene, Oregon?

If someone owes you money and refuses to pay it, you have many options at your disposal. However, when it comes to collecting their debts, creditors are governed by strict consumer protection rules. Violation of these rules while attempting to collect could hurt your chances at successfully recovering your money, and/or subject you to civil penalties.

Some practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual violence.

You may, however, send a written demand for timely payment. The demand should lay out clearly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire an Eugene, Oregon 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 dependable, and scrupulously follows the law.

What if Someone Is Trying to Collect Money Against Me in Eugene, Oregon?

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.

Fortunately, you have some options in Eugene, Oregon. First of all, you should try to contact the creditor directly, and see if something can be worked out. If this doesn't work, you can demand that the collection agency stop contacting you by phone. When this happens, they are not authorized to contact you further. This, of course, doesn't make the debt go away, but if the calls are becoming unbearable, it might buy you a little bit of time. Usually, when this happens, the creditor gives up on extra-judicial collections, and files a lawsuit against the debtor.

If you have hired an Eugene, Oregon 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 Eugene, Oregon 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 Eugene, Oregon, 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 Oregon can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Eugene

Eugene, Oregon is the second-largest city in the state of Oregon. It is also the seat of Lane County, in the south end of the Willamette Valley. Its population is about 157,000 people.

Eugene, Oregon is named after its founder, Eugene Franklin Skinner, who started the first recorded permanent settlement in the area. The first major educational institution in the area was Columbia College, which was founded a few years before the University of Oregon (still Oregon's flagship public university).

Modernly, Eugene is known as a progressive, and somewhat quirky, community with a streak of political radicalism thrown in for good measure. A small but highly-visible community of anarchists established itself in Eugene in the 1990s, and is still present there today. While they are not generally criminally-inclined, some of their protests have led to arrests. Many activist attorneys in Eugene, Oregon have taken it upon themselves to represent clients with radical political views, sometimes on a pro bono or reduced fee basis.

Of course, most Eugene, Oregon lawyers have more "standard" careers, and represent average citizens and small businesses, helping them with the legal issues that they're most likely to face. If you live in or around Eugene, Oregon, and have a legal issue that needs immediate attention, you should not hesitate to contact an Eugene, Oregon attorney as soon as possible.

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