What Is Debt Collection in Hampton, Virginia?

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"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 Hampton, Virginia, there are numerous laws which specifically limit the practices that collections agencies can engage in.

What if I Am Owed Money in Hampton, Virginia?

If someone owes you money and refuses to pay it, you have several 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. The demand should lay out exactly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Hampton, Virginia 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 reputable, and carefully follows the law.

What if Someone Is Trying to Collect Money Against Me in Hampton, Virginia?

If you actually owe the money that they are trying to collect, and are able to pay it, doing so would be your best option for ending the collections calls. Of course, this is not everybody's situation. When dealing with collectors, you should try to maintain the high ground by behaving in a calm and cordial manner. In any event, you should never ignore the problem, as this usually makes things worse.

Thankfully, you have many options at your disposal in Hampton, Virginia. First, you should try to contact the creditor directly, and see if some sort of deal 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 retained a Hampton, 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 viable option, given your individual circumstances.

How Can a Hampton, Virginia Collections Attorney Help?

If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Hampton, Virginia attorney, since such conduct on the part of the creditor might actually give you a claim for damages against it.

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 Hampton

Hampton is located in southeast Virginia, with a population of around 137,500 people. It is considered a major city and a part of the "Hampton Roads" area in Virginia. Neighboring waters include the Chesapeake Bay and the Atlantic Ocean.

Popular attractions include Buckroe Beach, Buckroe Fishing Pier, Downtown Hampton Historic District, Fort Monroe, Gosnold Hope Park, Hampton History Museum, Jacques Cousteau Centre, Langley Air Force Base, New American Theatre, Old Point Comfort, and Sandy Bottom Nature Park.

Famous residents include Jefferson Davis, Jeff Parker, Jerry Roursh, Jim Burrow, Jimmy F. Williams, and Michael Husted.

Hampton is home to many practicing attorneys who manage small law offices and firms, and provide personalized legal services in most, if not all, practice areas. Therefore, residents are well-taken care of when it comes to tending to their legal needs.