What Is Debt Collection in Clanton, Alabama?
"Collections" is the process by which creditors attempt to get nonpaying debtors to pay the money they owe. There are a large number of laws in Clanton, Alabama governing the tactics that collection agencies can and cannot do.
What if I Am Owed Money in Clanton, Alabama?
You may, however, send a written demand for timely payment. The demand should lay out clearly how much the debtor allegedly owes. If there is a large amount of money involved, it might be worth it to hire a Clanton, Alabama 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 dependable, and scrupulously follows the law.
What if Someone Is Trying to Collect Money Against Me in Clanton, Alabama?
Thankfully, you have various options at your disposal in Clanton, Alabama. First, you should try to contact the creditor directly, and see if some sort of agreement 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 hired a lawyer in Clanton, Alabama, they might advise that you file for bankruptcy. Of course, whether or not this is a good idea depends heavily on the facts of your individual case, so you should not do so until an attorney has reviewed the facts and determined that bankruptcy is a feasible solution.
How Can a Clanton, Alabama Collections Attorney Help?
If you think that the collection agency is violating the law in its attempts to collect, you should probably call a Clanton, Alabama attorney, since such behavior on the part of the creditor might actually give you a claim for damages against it.