A Debt Collection Lawyer For Protection of Your Rights


Debt collection is overwhelming. Many do not see money owed to them. Unsettled debts have become problematic such that many business owners have to employ the services of a debt collection lawyer.

In America, everyone, well… almost everyone spends first and pays later. Thus, at one time or other in their lives, they end up being debtors. It is important that you get yourself a debt collection lawyer if you would like protection from the hounding of the debt collectors and creditors.

If you owe a business a debt, they still have their rights and so do you. However, drawing the line between those rights is important. That way, you will not err by negligence.

Debt collection lawyer

Although there are debt collection lawyers to assist you, it is important not to avoid making payments such that it gets to a point where you need to hire a lawyer. Sometimes, things happen and we find that we just cannot pay what we owe on time.

Business owners do not like to nag their debtors, but what would you do if you were owed money? However, don’t let them push you into a corner. Hire a debt collection lawyer who will ensure that you get all the space that you need to pay what you owe.

All debt collection ventures to operate under the Fair Debt Collection Practice Act regulations. The law restricts abusive actions against a debtor. This does not mean that you should not pay what you owe. To the contrary, you should! It is the duty of every good citizen to pay what they owe. However, in case you land in big trouble where you find making your debt payments on time impossible, you need to get a debt collection law firm for your own protection.

The hounding of creditors can sometimes drive you up a creek and leave you without a paddle. Don’t let them. Hire a lawyer!

Things to look for in a good debt collection lawyer

Before you know how to tell a good lawyer for debt collection, you should know where to get one. Luckily, our site has you sorted out with their brilliant attorneys who know the state code of Utah and who have helped many people through debt collection cases before. You need to stop creditor harassment and the lawyer to help you with that is just an email or a phone call away.

When smart ways to avoid debt collection process fail sometimes hiring a professional may be the only way out. After all, this is your hard-earned money and having delinquent accounts can easily drain your resources, patience and time. With that in mind, not every debt collection law firm is good for you. If you are smart, you will want to get yourself a lawyer who has been in the business of defending debtors for a long time.

Do your homework well

Most law firms often concentrate in specific areas. For instance, some are very good in securing funds from big companies while other excel in home and small businesses. In addition, understand what class of debtors the attorney deals with.

What will the lawyer do?

Once you become a client to the attorney debt collection, the first thing that they will do is to tell the debt collectors to stop hounding you. You need peace of mind to look for the money to pay them and the last thing that you need is to be hounded from here to kingdom come. Did you know that under the FDCPA, you have the right to ask the debt collectors as well as the creditors to stop all communication with you? Yes, you do. In fact, the only time they are supposed to contact you is to tell you when the creditor has decided to take legal action against you, or when they are telling you that the debt collection process has ended.

Do you know your rights?

Debt collection attorneys will tell you your rights. Even if you owe and you do not see any means by which you can pay what you owe in the near future, you still have rights. What rights are these? For example, as we have discussed above, you have rights in the FDCPA to protect you from hounding calls and communication from the employees of debt collection firms. However, most people who owe don’t know this! Thus, you need to hire our lawyers so that they can advise you amply what you should do.

Debt collection attorney

Our attorneys will tell you not to cut communication with the creditors even if you can foresee bankruptcy in the near future. The sooner that you resolve debt issues the better for you because debt does seem to go from bad to worse if you keep it pending too long.

Whatever you do, do not be hounded by creditors. Hire a debt collection attorney to help you. Most likely, this same attorney will walk with you through the bankruptcy declaration process if it comes to that.

When you want to file a complaint

Go ahead. Our debt collection lawyer will advise you appropriately and even file the complaint for you. For example, you should record all inappropriate behavior that you have experienced from the creditors.

Get an attorney who uses ‘skip tracing’

Sometimes debtors skip useful information about them like their resident town intentionally. To combat this act, worthy debt collection lawyers will use ‘skip tracing’. ‘Skip tracing’ means the lawyers use and have access to a wide range of databases that enables them locate debtors with no forwarding address.

Compare fees

Look at and compare their costs once you have found a few collections lawyers that suit your needs. It is worth noting that, you can’t receive your full amount you are owed once you hire a debt collector lawyer. You are consequently advised to exhaust all other options before hiring one.

It is also crucial noting that different lawyers have different payment arrangements of their services. Common payment arrangements may include:

  • Flat fee which is paid prior the debt collection process
  • Contingency is the most typical structure where the debt collector uses the principle of ‘No collection no fee’. More often than not, the charge will range between 25% and 40% of the total money collected, depending on the account’s particulars.

What are the primary functions of a debt collection lawyer?

There are many puzzling legal procedures and avenues when it comes to debt settlement. Only a knowledgeable and well qualified lawyer will guide you through the complications effectively and smoothly. Below are some functions of a debt collection attorney:

  • Help their clients stay away from creditors irritating calls, lies or threats.
  • A lawyer should be able to help accordingly with debt settlement medium and practices used in mind.
  • Protects you from heartless third party agencies
  • Establishes validation of your dealings with the agency. This involves examining documents and references properly and coming up with a realistic strategic conclusion.
Debt collection law firm

Why hire a debt collection lawyer

When borrowers make defaults in repayment and steps like personal meeting, cell phone calls and letters fail to resolve the problem, one can make use of professional debt collection attorneys. He will serve your needs like loan collection, consumer debt collection, student loan collection and credit card negligence. He will do this by studying the case and then designing a perfect design for their clients. The paramount role of the attorneys is seeking creditor’s justice.

Sometimes you might wonder why get a collection lawyer when you can get a debt collectors. While a debt collector may offer cheap services, a lawyer is instrumental when dealing with difficult debtors. Lawyers have many flexible options.

A debt collection attorney should be your definitive resort. Involving lawyers is not only expensive, slow and frustrating but hurts your relationship with clients regardless of whether you want to do business deals with them in near future or not. Consequently, debt collection lawyer should be ultimate last call, after everything you have done prove futile.

Craig R. Chlarson - Utah Bankruptcy Attorney

My name is Craig R. Chlarson. Whether you are seeking to eliminate your debt, typically through a chapter 7 filing, or whether you are seeking to reorganize your debt, typically through a chapter 13 filing, or even if you have basic bankruptcy questions, call me today. I can help you.

To schedule an appointment, call (435) 901-3449

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