"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 Bluefield, West Virginia, there are countless laws which carefully limit the practices that collections agencies can engage in.

What if I Am Owed Money in Bluefield, West Virginia?

If you are owed money and the debtor refuses to pay, you have some options at your disposal. However, you must tread lightly when it comes to collecting your debts. Creditors and collectors are governed by specific consumer protection laws. Violating these laws can hurt your chances of recovering what you are owed, and even subject you to civil or criminal penalties.

Several practices that collectors cannot engage in include the use of abusive language, contacting third parties about the debt, and threatened or actual violence.

What you can do, however, is send an invoice of the debt to the debtor, along with a firm (but civil) demand for timely payment. If the debt is substantial, you might also want to hire a collection agency in Bluefield, West Virginia. You should make sure that any agency you hire is trustworthy, and has not been cited for violations of the rules governing collections.

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

If you truly owe the money that they are attempting 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 polite manner. In any event, you should never ignore the problem, as this usually makes things worse.

Fortunately, you have some options in Bluefield, West Virginia. First of all, you should attempt 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 permitted 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 lawyer in Bluefield, West Virginia, they might advise that you apply for bankruptcy. Of course, whether or not this is a good idea depends strongly on the facts of your specific case, so you should not do so unless an attorney has reviewed the facts and determined that bankruptcy is a possible solution.

How Can a Bluefield, West Virginia Collections Attorney Help?

If you think that the collection agency is violating the law in its effort to collect, you should probably call a Bluefield, West Virginia attorney, since such actions on the part of the creditor may actually give you a claim for damages against it.

Also, if you are considering bankruptcy as an option, a seasoned West Virginia attorney can help guide you through the process.