Broadly, the term "Collections" refers to the practice of creditors trying to force debtors to pay what they owe. There are various laws and regulations in Sutherlin, 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 Sutherlin, Oregon?

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

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

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the precise amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be wise to hire a Sutherlin, Oregon collections agency. If you go this route, it is important to make sure that you hire an agency that is dependable, and follows the relevant law to the letter.

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

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.

Fortunately, you have some options in Sutherlin, Oregon. First of all, you should attempt 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 a Sutherlin, Oregon attorney to help you through this process, he or she may advise that you declare bankruptcy. Once this occurs, creditors are legally barred from trying to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Sutherlin, Oregon 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 Sutherlin, Oregon attorney, since you might really have a claim for damages against the creditor.

If you are thinking about bankruptcy, a seasoned Oregon bankrutpcy attorney can help guide you through the process.