What Is Debt Collection in Round Rock, Texas?

Find the right Debt Collection attorney in Round Rock, 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 Round Rock, 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 Round Rock, 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. The demand should lay out clearly how much the debtor allegedly owes. If there is a large amount of money involved, it may be worth it to hire a Round Rock, 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 different collections agencies in your area, to make sure the one you hire is dependable, and meticulously follows the law.

What if Someone Is Trying to Collect Money Against Me in Round Rock, 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 polite 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.

Fortunately, you have some options in Round Rock, Texas. First of all, you should attempt to contact the creditor directly, and see if something can be worked out. If this doesn't work, you can demand that the collection agency stop contacting you by phone. When this happens, they are not authorized to contact you further. This, of course, doesn't make the debt go away, but if the calls are becoming unbearable, it might buy you a little bit of time. Usually, when this happens, the creditor gives up on extra-judicial collections, and files a lawsuit against the debtor.

If you have hired a Round Rock, Texas lawyer to help, he or she may advise that you file for bankruptcy. If you do apply 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 Round Rock, Texas Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Round Rock, Texas attorney, since such behavior on the part of the creditor may actually give you a claim for damages against it.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Round Rock

Round Rock, Texas is a city located in Travis and Williamson Counties. Its population, as of a 2009 Census estimate, is about 100,000. This is up from 60,000 counted in the 2000 Census, making it an extremely fast-growing city.

In 2008, Round Rock was named by Money Magazine as one of the best small cities in the U.S. to live. It placed seventh, overall, out of hundreds of U.S. cities of comparable size. This is largely based on Round Rock's high average income, and explosive job growth. Round Rock also boasts some of the best public education in the state of Texas. Round Rock is the national headquarters of Dell Computer, which employs about 16,000 people in its local facilities.

Round Rock has made it through the recent recession much better than the average American city, thanks to its highly diversified economy.

This means that there is a thriving and diverse legal community in Round Rock. If you need a Round Rock, Texas lawyer, chances are good that you'll be able to find one. Whatever legal issue you may face, now or in the future, there's probably a Round Rock, Texas lawyer who can help.

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