What Is Debt Collection in Flower Mound, Texas?

Find the right Debt Collection attorney in Flower Mound, TX

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 Flower Mound, Texas that govern collection agencies, and strictly limit the types of tactics they are permitted to engage in.

What if I Am Owed Money in Flower Mound, Texas?

If someone owes you money and won't pay, you have some legal options to seek repayment of your debt. However, you need to be careful in this area. There are many laws and regulations detailing what debt collectors can and cannot do. Breaking these laws, even inadvertently, can harm your chances at collecting, and maybe even expose you to civil penalties.

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 substantial, it might be worth it to hire a Flower Mound, Texas collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is trustworthy, and hasn't been cited for violations of consumer protection laws.

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

If you truly owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving civilly, you should do the same. Even if the caller doesn't behave in a civil manner, you should resist the temptation to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.

Thankfully, you have numerous options at your disposal in Flower Mound, Texas. 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 attempting to collect the debt.

If you have hired a Flower Mound, Texas lawyer to help, he or she might advise that you file for bankruptcy. If you do file 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 Flower Mound, 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 Flower Mound, Texas attorney, since you might actually have a claim for damages against the creditor.

If you are thinking about filing for bankruptcy, a good lawyer in Texas can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Flower Mound

Flower Mound is located in Denton and Tarrant Counties, Texas. It is a suburb that is part of both Forth Worth and Dallas--a unique quality. Per the 2010 census, the population is 64,669 people.

How did Flower Mound get its name? Well, it is named after a 12.5 acre mound filled with wild flowers and slopes. This property is owned by the Mound Foundation. This is a fact that many visitors find very interesting.

Famous people that have, at one time or another, called Flower Mound home include "Mean Joe" Greene, Glen Titensor, Donald Driver, Tony Casillas, Chris Brown, and David Murphy.

Flower Mound is also home to many attorneys who have established themselves while working in local law offices and small firms. These attorneys practice in various legal areas, are well-experienced, and focus on providing excellent legal services.

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