What Is Debt Collection in Pottstown, Pennsylvania?

Find the right Debt Collection attorney in Pottstown, PA

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

What if I Am Owed Money in Pottstown, 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.

You may, however, send a written demand for timely payment. The demand should lay out exactly how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Pottstown, Pennsylvania collections agency, which will probably take its fee in the form of a percentage of the debt collected. You should do some research on different collections agencies in your area, to make sure the one you hire is reputable, and meticulously follows the law.

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

If you actually owe the money that is being sought, and can afford to pay it, you should do so. If the collection caller is behaving in a polite manner, you should try to do the same. In any case, the worst thing you can do is ignore the issue hoping that it will go away. It won't.

Your best option in Pottstown, Pennsylvania 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 usually 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 generally leaves them with no other option but to sue.

If you have hired a Pottstown, Pennsylvania 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 Pottstown, Pennsylvania 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 Pottstown, Pennsylvania attorney, since you might actually have a claim for damages against the creditor.

If you are thinking about applying for bankruptcy, a seasoned lawyer in Pennsylvania can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Pottstown

Pottstown is a Montgomery County, Pennsylvania borough that is located just 40 miles from Philadelphia and 20 miles from Reading. The area was planned in 1752 and named for the founder, John Potts. Originally dubbed Pottsgrove, the boundaries of Pottstown were extended and it was renamed. Today, Pottstown is the epicenter of one of the most productive farming and dairy regions in the State of Pennsylvania. Pottstown was once interested in iron and steel mills, machine shops, and other manufacturing plants of textiles and goods such as bricks, hosiery, silks, shirts, nails, and furnaces. The borough rests on a total of 4.9 square miles but plays host to 21,900 residents. Pottstown is governed in a city manager form with a mayor and seven-member borough council. The residents are reasonably diverse both ethnically and economically. Most households utilize the transportation and education systems offered by Pottstown, Montgomery County, and Pennsylvania.

Pottstown Area Rapid Transit Inc. offers low cost public transportation throughout Pottstown and surrounding communities. Pottstown also offers two small airports and a passenger rail service called SEPTA. There's lots of options when it comes to schools in Pottstown. Pottstown residents, depending on where they live, are sent to the Pottstown School District, Pottsgrove School District, and Owen J. Roberts School District. There are also nine private institutions, both grammar school and high school, serving the area too. The Montgomery County Community college is the only institution of higher learning. A number of lawyers also live in Pottstown Borough. Pottstown lawyers can help you navigate any legal questions you may have and are well acquainted with the local court systems and procedures.

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