What Is Debt Collection in Bellevue, Washington?

Find the right Debt Collection attorney in Bellevue, WA

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

What if I Am Owed Money in Bellevue, Washington?

If someone owes you money and refuses to pay it, you have many 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.

For example, it should go without saying that creditors are not allowed to use threatened or actual violence when trying to collect. They are also not authorized to use abusive language to the debtor, or contact a third party about the debt.

Creditors may, however, send written demands for timely payment, along with an invoice that clearly lays out exactly what the debtor owes. If the debt is considerable, it might be worth it to hire a Bellevue, Washington collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is dependable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Bellevue, Washington?

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 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 Bellevue, Washington. 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 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 Bellevue, Washington 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 Bellevue, Washington 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 Bellevue, Washington, as you might actually have a claim for damages against the collection agency.

Also, if you're considering filing for bankruptcy, a good attorney in Washington 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 Bellevue

Bellevue is located in King County, Washington. It is near Lake Washington and Seattle. Per the 2010 census, it has a population of approximately 122,363 people. The city is well-recognized now because in 2008, CNNMoney ranked it as one of the best places to live and launch a business. Recently, it was ranked fourth as one of the best places to live in the U.S. The city's nickname is "beautiful view."

Popular sites include the Bellevue Arts Museum, the Rosalie Whyel Museum of Doll Art, KidsQuest Children's Museum, and Meydenbauer Center.

Bellevue is also home to many practicing attorneys who have established their practices via small firms or local law offices. Thus, residents have access to competent attorneys who focus on providing personalized, as well as excellent, legal services.

Famous residents include Ann Wilson, Megan Hilty, William S. Ayer, Jeff Ulbrich, Deon Butler, Martin Harrison, Michael Brantley, Aaron Curry, and Tim Lincecum.

Overall, this is a wonderful city to visit or call home!

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