What Is Debt Collection in Seattle, Washington?

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

What if I Am Owed Money in Seattle, 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.

You may, however, send a written demand for timely payment which lays out to the debtor clearly 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 Seattle, Washington. 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 Seattle, Washington?

If you really 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.

Luckily, you have some options in Seattle, Washington. First of all, you should attempt to directly contact the creditor, and see if some adjusted payment plan can be worked out. If this doesn't work, you can ask the collectors to stop contacting you by phone, and they will normally be obliged to do so. Of course, this doesn't make the debt go away, but it might give you some time to collect yourself and prepare a legal defense. Once this happens, the collection agency can only contact you to inform you that it intends to sue you for the debt owed.

If you have retained a Seattle, Washington 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 feasible option, given your individual circumstances.

How Can a Seattle, Washington 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 Seattle, Washington attorney, since you might really have a claim for damages against the creditor.

If you are thinking about bankruptcy, a good Washington bankrutpcy attorney can help guide you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Seattle

Known for its high level of annual rainfall, Washington state's largest city has much more to offer that just water. Seattle, Washington houses a population of close to 620,000 and it the 15th largest city in the United States. Located between Pudget Sound and Lake Washington, the city is a major gateway for travelers going to Asia and Alaska.

Seattle, which is the northernmost city with a big population in the United States is located just a couple hours away from the Canadian border. Seattle gets its name from its Indian heritage. Seattle was named after a famous Indian chief from the tribes that inhabited the area for over 4,000 years.

Seattle, which has been the site of the popular reality television show, The Real World has a growing arts and music scene. Originally the home of grunge music made popular by Nirvana, the city of Seattle now has many different music scenes and venues ranging in size to showcase them all. Seattle also has a big sports culture, with the many professional teams including: Seattle Sea Hawks, Seattle Mariners, Seattle Sound, and Seattle Thunderbirds. The city's cool climate makes it ideal for outdoor activities all year round, and the city has many parks and trails to support the physical activities of its residents and visitors.

Education is also important in Seattle with top universities including University of Washington and Seattle University. Seattle has the highest percentage of college and university graduates than any other city in the U.S. The appreciation for higher education is seen in the many professionals that call the seaside city home. Doctors, lawyers, accountants, tech gurus all thrive in Seattle. The academic culture has produced top lawyers to help the growing city with any legal issue he or she encounters.

Seattle also has a growing tech culture...good thing it is also the home of Starbucks to help give a caffeine fuel to all the innovation!