What Is Debt Collection in Reading, Pennsylvania?

Find the right Debt Collection attorney in Reading, PA

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 Reading, 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 Reading, 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 precisely how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Reading, 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 trustworthy, and thoroughly follows the law.

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

Of course, if you owe money and have the capacity to pay it, you should do so. If the collections caller is behaving amicably, you should do the same. In any case, it is never a good idea to ignore the issue, because that will definitely not make it go away.

Thankfully, you have numerous options at your disposal in Reading, Pennsylvania. First, you should try to contact the creditor directly, and see if some sort of solution can be worked out. If this is unsuccessful, you can tell the collectors to stop contacting you, which may work in some instances. Of course, this doesn't make the debt go away, but it might give you a little bit of breathing room. The collectors will only be allowed to contact you to let you know that they are suing you for the money owed, or that they have stopped trying to collect the debt.

If you have hired a lawyer in Reading, Pennsylvania, they might advise that you apply for bankruptcy. Of course, whether or not this is a good idea depends strongly on the facts of your specific case, so you should not do so unless an attorney has reviewed the facts and determined that bankruptcy is a possible solution.

How Can a Reading, Pennsylvania Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Reading, Pennsylvania attorney, since such actions on the part of the creditor may actually give you a claim for damages against it.

Also, if you are considering bankruptcy as an option, a seasoned Pennsylvania attorney can help guide you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Reading

Reading is located in southeast Pennsylvania. Specifically it is in Berks County. Per the 2010 census, it has a population of 88,082 people. Similarly populated cities include Pittsburgh, Allentown, and Erie.

A very popular spot for visitors is the Reading Public Museum. The reason why this is such a popular attraction is because it is an art, science and history museum in one! Therefore, visitors can escape into many worlds by visiting this one site. Another popular site is the Reading Pagoda, which is located on top of Mount Penn. The view from this area is supposedly breathtaking.

Top employers include Boscov's, Wal-Mart, Carpenter Technology Corporation, Berks County, East Penn Manufacturing Co., The Reading Hospital and Medical Center, St. Joseph Medical Center, and Reading School District. Reading is also home to many attorneys who practice law in various areas. These attorneys provide excellent legal guidance to employers, small businesses and local residents.

Overall, Reading is a charming place to visit and wonderful place to call home.

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