What Is Debt Collection in North Charleston, South Carolina?

Find the right Debt Collection attorney in North Charleston, SC

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

What if I Am Owed Money in North Charleston, South Carolina?

If somebody owes you money and is refusing to pay, you have several options at your disposal. However, in doing so, you will be governed by very strict consumer protection laws that govern the collection of debts. Breaking these rules can hurt your chances at successfully collecting, and might even expose you to civil liability.

For example, when attempting to collect, creditors are not allowed to use abusive language, contact any third party about the debt, and of course they are not allowed to use threats of violence in an attempt to get their money.

Creditors may, however, send written demands for timely payment, along with an invoice that clearly lays out exactly what the debtor owes. If the debt is significant, it might be worth it to hire a North Charleston, South Carolina collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is reputable, and hasn't been cited for violations of consumer protection laws.

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

If you know that you owe the money being sought of you, and have the resources to pay it, you should do so - this is the quickest and surest way to end collections calls. Of course, this is not the case for everyone. Whatever your situation, you should always behave cordially 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.

Thankfully, you have many options at your disposal in North Charleston, South Carolina. First, you should try to contact the creditor directly, and see if some sort of deal 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 attempting to collect the debt.

If you have retained a North Charleston, 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 viable option, given your individual circumstances.

How Can a North Charleston, South Carolina Collections Attorney Help?

If you think that a collection agency is engaging in abusive tactics, you should call a local North Charleston, South Carolina attorney, as you might have a claim for damages against the creditor or the collection agency.

Also, if you're considering filing for bankruptcy, a good attorney in South Carolina can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in North Charleston

North Charleston offers residents a wonderful quality of life! It has affordable living, great dining and entertainment, charming attractions, and no parking meters!

Some popular sites include the North Charleston and American LaFrance Fire Museum and Educational Center, The Charleston Area Convention Center Complex, the North Charleston Coliseum, the Christmas Lighting Festival and Parade, the annual Arts Festival, weekly Farmers Markets, and the Golf Club at Wescott Plantation.

North Charleston is seen as South Carolina's "retail leader" attracting many small businesses and boutiques. To serve these businesses, the city is home to many attorneys that practice law in various areas. These attorneys ensure excellent personalized legal services to protect both local businesses and residents.

Clients Rate LegalMatch Attorneys
(click to read reviews)

Ian M.
Ian M.

Bankruptcy, Banking & Credit

Richboro, PA

Eddy H.
Eddy H.

Bankruptcy, Banking & Credit

San Mateo, CA

Howard B.
Howard B.

Bankruptcy, Banking & Credit

Rye Brook, NY