What Is Debt Collection in Alexandria, Virginia?

Find the right Debt Collection attorney in Alexandria, VA

"Collections" refers to the practices engaged in by creditors designed to obtain payment from debtors who are not interested in paying what they owe. In Alexandria, Virginia, there are many laws which strictly limit the practices that collections agencies can engage in.

What if I Am Owed Money in Alexandria, Virginia?

If someone owes you money and refuses to pay it, you have various options at your disposal. However, when it comes to collecting their debts, creditors are governed by strict consumer protection rules. Violation of these rules while attempting to collect could hurt your chances at successfully recovering your money, and/or subject you to civil penalties.

As an example, when trying 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 precisely 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 Alexandria, Virginia. These agencies usually take their fee in the form of a percentage of the debt collected. You need to research agencies carefully 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 Alexandria, Virginia?

If you truly 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 civil 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.

However, you do have some options in Alexandria, Virginia. First of all, you should make an effort to get in direct contact with the creditor, as opposed to the collection agency, and try to work something out. If this fails, you can tell the collections agency to stop calling you, and they typically are obliged to do so. Of course, this doesn't eliminate the debt, but it can buy you some time. You should know, however, that when you show that you are not interested in dealing with the creditors or collectors directly, they will usually resort to a lawsuit.

If you have retained an Alexandria, Virginia 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 possible option, given your individual circumstances.

How Can a Alexandria, Virginia Collections Attorney Help?

If you believe that the collections agency is engaging in illegal or abusive activity, you should consult with a local attorney in Alexandria, Virginia, as you might actually have a claim for damages against the collection agency.

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

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Alexandria

Alexandria, Virginia is one of the oldest cities in the U.S. Incorporated in the year 1779, it played a major role in many early American historical events. Visitors to the area can learn about the city's early days at various museums and historical homes.

The city's rich history is preserved in "Old Town" Alexandria. This historic center is a major attraction for tourists with its many antique theaters, shops, boutiques, and eateries. Market Square is located in Old Town and is considered by many to be the oldest operating marketplace in the U.S.

Many other neighborhoods in Alexandria retain a similar atmosphere of charm and peacefulness. In 2008, Alexandria, Virginia was officially named an "Eco-City", while at the same time retaining its historical character.

Due to its proximity to the U.S. capital, many residents of Alexandria are professionals working for the federal government and the U.S. military. The patent and trademark industry are also an integral part of Alexandria's flourishing economy. Several non-profit groups have their national headquarters in the city, including the Salvation Army and United Way.

Lawyers in Alexandria, Virginia offer legal services in both general and specialized areas of law. Alexandria lawyers deal with a variety of legal matters that are unique to the local area.

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