What Is Debt Collection in Columbia, South Carolina?

Find the right Debt Collection attorney in Columbia, SC

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

What if I Am Owed Money in Columbia, South Carolina?

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 strict consumer protection rules. Violating these rules can hurt your chances of recovering what you are owed, and even subject you to civil or criminal penalties.

The law blocks creditors from engaging in any form of violence against the debtor in an attempt to collect. It additionally bars them from using abusive language or contacting third parties about the debt owed by the debtor.

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 might be worth it to hire a Columbia, South Carolina 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 trustworthy, and carefully follows the law.

What if Someone Is Trying to Collect Money Against Me in Columbia, South Carolina?

If you truly 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 cordial 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 Columbia, South Carolina might be to contact the creditor directly, and try to work out some type of new repayment plan. The sooner 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 typically 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 prepared to defend against a lawsuit from your creditors, since demanding that they stop contacting you usually leaves them with no other option but to sue.

If you have retained a Columbia, South Carolina attorney during this process, they might advise that the best course of action is to file for bankruptcy. This is a major decision, however, and should not be made lightly. You should only file for bankruptcy if an attorney advises you that it is a viable possible option, given your individual circumstances.

How Can a Columbia, South Carolina 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 Columbia, South Carolina, 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 South Carolina can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Columbia

Columbia, South Carolina is the state capital, and the largest city in the state. It has a population of about 130,000 people. Columbia has a rich history, and has figured prominently in important historical events dating back to before the Civil War. While being occupied by Union troops during the Civil War, much of Columbia was destroyed in a fire. During Reconstruction, as in many Southern states, numerous African Americans were elected to public office in South Carolina, which was a novelty to most Americans at the time. As a result, Columbia experienced a brief tourism boom, as visitors wanted to observe the state legislature in session. Modernly, Columbia, South Carolina is quite diverse in both demographics, and economy. Columbia is a major center for several industries, such as healthcare, manufacturing, insurance, and many others.

Columbia, South Carolina is also home to Fort Jackson, the U.S. Army's largest training facility, which has a major economic impact on the area. Each year, the federal government spends over million for salaries, utilities, and other services (with a significant amount going to local contractors). Furthermore, each year, over 100,000 people visit the area to attend basic training graduation, and patronize the local hotels, restaurants, and retail outlets.

Columbia, South Carolina lawyers need to be competent to handle many different types of cases. If you contact a Columbia, South Carolina lawyer with any type of case, chances are they cantake it, or refer it to another local attorney who can.

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