What Is Debt Collection in Port Arthur, Texas?

Find the right Debt Collection attorney in Port Arthur, TX

Broadly, the term "Collections" refers to the practice of creditors trying to force debtors to pay what they owe. There are various laws and regulations in Port Arthur, 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 Port Arthur, Texas?

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

As an example, when attempting to collect, creditors may not use abusive language, contact third parties regarding the debt, or use violence or threats of violence.

You may, however, send a written demand for timely payment which lays out to the debtor clearly how much is owed. If a large amount of money is owed to you, it might be a good idea to hire a collections agency in Port Arthur, Texas. These agencies usually take their fee in the form of a percentage of the debt collected. You need to research agencies thoroughly however, and make sure the one you hire does not engage in illegal practices.

What if Someone Is Trying to Collect Money Against Me in Port Arthur, 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 an amicable 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 Port Arthur, Texas might be to contact the creditor directly, and try to work out some type of new repayment plan. The earlier 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 normally 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 ready to defend against a lawsuit from your creditors, since demanding that they stop contacting you typically leaves them with no other option but to sue.

If you have hired a lawyer in Port Arthur, Texas, 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 individual case, so you should not do so unless an attorney has reviewed the facts and determined that bankruptcy is a feasible solution.

How Can a Port Arthur, Texas Collections Attorney Help?

If you think that a collection agency is engaging in illegal tactics, you should call a local Port Arthur, Texas attorney, as you might have a claim for damages against the creditor or the collection agency.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Port Arthur

Port Arthur is experiencing an economic revitalization with nearly billion in projects involving energy infrastructure. Golden Pass and Sabine Pass LNG terminals are the largest and would bring in millions of dollars to Port Arthur each year. Port Arthur is one of Texas' leading seaports and was in the news recently when an oil tanker and barge collided. Port Arthur is connected to the rest of Texas intersecting with a number of US and state highways making it ideal for transportation and distribution. Being the center of so much business, Port Arthur has some of the best outlet and shopping in the area. The business boom has also attracted a number of lawyers to the area to help sort out any legal problem that may arise. Port Arthur lawyers know business law well but many also focus their practices in other areas like family, criminal, and immigration law.

Port Arthur offers a number of worthwhile educational outlets like public libraries and schools. The Bob Hope Charter School and Lamar State College are both located in Port Arthur. Notables of Port Arthur include Janis Joplin, Jimmy Johnson, G.W. Bailey, and rap group UGK. Port Arthur has seen major damage from Gulf of Mexico hurricanes and tropical cyclones like Hurricane Rita, Humberto, Ike, and Tropical Storm Eduard. Luckily, Port Arthur residents have prepared successfully beforehand or recovered from the forceful damaging storms.

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