What Is Debt Collection in Denton, Texas?

Find the right Debt Collection attorney in Denton, TX

Broadly, the term "Collections" refers to the practice of creditors attempting to force debtors to pay what they owe. There are various laws and regulations in Denton, Texas that govern collection agencies, and strictly limit the types of tactics they are authorized to engage in.

What if I Am Owed Money in Denton, Texas?

If somebody owes you money and is refusing to pay, you have many 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.

The law prevents creditors from engaging in any form of violence against the debtor in an attempt to collect. It further 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 clearly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Denton, Texas 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 dependable, and carefully follows the law.

What if Someone Is Trying to Collect Money Against Me in Denton, Texas?

If you really 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.

Luckily, you have some options in Denton, Texas. First of all, you should attempt to directly contact the creditor, and see if some adjusted 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 normally be obliged to do so. Of course, this doesn't make the debt go away, but it might 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 Denton, Texas attorney, they might advise that you declare bankruptcy, depending on your individual situation. In any case, you shouldn't consider bankruptcy before weighing other options, and discussing the matter with an attorney.

How Can a Denton, Texas Collections Attorney Help?

If you believe that a creditor is violating the law in its attempts to collect from you, you should get in touch with a Denton, Texas attorney, since you might actually have a claim for damages against the creditor.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Denton

Denton, Texas is a major city and the county seat of Denton County. It is best known for its world-acclaimed live music scene. The city of Denton has produced a long list of famous musical artists and Grammy award-winning performers. It is also an excellent city in terms of residential housing and employment opportunities.

Denton's lively musical culture centers mostly around the University of North Texas. The University runs an excellent music department which has sprung the careers of artists such as Norah Jones, Don Henley, Meat Loaf, and Roy Orbison. Many graduates of the University of North Texas have signed with major recording labels. The University also maintains Winspear Auditorium, which hosts concerts throughout the year. The presence of the University of North Texas as well as Texas Women's University helps to create an enjoyable "college-town" atmosphere in Denton.

Other attractions in Denton, Texas include the Golden Triangle Mall, which is a shopping complex that has more than 90 specialty stores. Visitors also flock to Denton to attend the Denton Arts and Jazz Festival and the North Texas State Fair and Rodeo. These annual festivities attract crowds of over 300,000 people.

Denton, Texas lawyers practice law in many different fields to meet the needs of the community. Lawyers in Denton are often members of multiple bar associations and civic groups. The Denton County "Courthouse-on-the Square" is a popular historic museum located in the city.

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