What Is Debt Collection in Waynesboro, Virginia?

Find the right Debt Collection attorney in Waynesboro, 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 Waynesboro, Virginia, there are numerous laws which specifically limit the practices that collections agencies can engage in.

What if I Am Owed Money in Waynesboro, 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.

Some practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual 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 Waynesboro, 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 Waynesboro, Virginia?

If you actually 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 cordial 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 Waynesboro, Virginia. First of all, you should try 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 allowed 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 Waynesboro, Virginia 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 Waynesboro, Virginia 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 Waynesboro, Virginia attorney, since you might actually have a claim for damages against the creditor.

Also, if you're considering filing for bankruptcy, a good attorney in Virginia can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Waynesboro

Waynesboro, Virginia is an independent city located in beautiful Agusta County. The city of Waynesboro derives its name from General Anthony Wayne -- a key figure in the American Revolutionary War. Waynesboro is home to close to 22,000 residents and is located on 15.4 square miles. Waynesboro is the famous home to P. Buckley Moss, a famous local artist who paints the landscape. The P. Buckley Moss Museum draws close to 45,000 visitors a year to Waynesboro.

Waynesboro is a city with a lot of American History. In addition to it's name, Waynesboro was the site of some important victories for General Anthony Wayne. Today, the city keeps that military spirit alive with various historical markers and also in their education. The Fishburne Military School is located in Waynesboro and is an all-male military school for grades 8-12.

Waynesbobro has more than history to offer its' residents. The city is also home to a thriving professional community with many talented lawyers, doctors, accountants, and businessmen. Waynesboro lawyers are some of the best in the business and just another aspect of this Virginia city that people enjoy.

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