Broadly, the term "Collections" refers to the practice of creditors trying to force debtors to pay what they owe. There are numerous laws and regulations in New Freedom, Pennsylvania that govern collection agencies, and strictly limit the types of tactics they are permitted to engage in.

What if I Am Owed Money in New Freedom, Pennsylvania?

If you are owed money and the debtor refuses to pay, you have some options at your disposal. However, you must tread lightly when it comes to collecting your debts. Creditors and collectors are governed by specific consumer protection laws. Violating these laws can hurt your chances of recovering what you are owed, and even subject you to civil or criminal 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.

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 substantial, you might also want to hire a collection agency in New Freedom, Pennsylvania. You should make sure that any agency you hire is trustworthy, and has not been cited for violations of the rules governing collections.

What if Someone Is Trying to Collect Money Against Me in New Freedom, Pennsylvania?

If you know that you owe the money being sought of you, and have the capacity 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.

Luckily, you have some options in New Freedom, Pennsylvania. First of all, you should try to directly contact the creditor, and see if some altered 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 typically be obliged to do so. Of course, this doesn't make the debt go away, but it may 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 retained the services of a New Freedom, Pennsylvania attorney, they may advise that you declare bankruptcy, depending on your specific situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

How Can a New Freedom, Pennsylvania Collections Attorney Help?

If you believe that the collections agency is engaging in unlawful or abusive activity, you should consult with a local attorney in New Freedom, Pennsylvania, as you may actually have a claim for damages against the collection agency.

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