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debt collection state laws in Pompano Beach

Hire a Debt Collector or a Doral Lawyer Specializing in Debt Collection?

Not many careers inspire more ire than the debt collector. Although these no longer represent a guy ready to hang you over the train tracks like those old noir movies, they will still ensure you endure a significant amount of hassle.

These entities will call and harass you during dinner time, send strongly worded letters on professional stationery, as well as serve incredible detrimental to your credit.

Nonetheless, these common opinions about debt collectors reside more in this fictional environment than in reality nowadays. This is due to the advent of the Fair Debt Collection Practices Act. It is now illegal for debt collectors to engage in harassing behavior towards debtors, as well as lie, cheat, or enact virtually any illegal actions to collect on outstanding debt.

While contact from a collection agency is an unpleasant experience, there is no need to worry about falsification, or harassing actions.

Unfortunately, business owners need to call in a professional debt collection resource to reclaim what a debtor owes. If you represent an individual enduring this situation, when do you call in a debt collector? How can you demonstrate certainty that this entity is legitimate? Should you enlist a Doral lawyer specializing in debt collection?

Exhaust Every Avenue

If your debtor is behind on their payments, you shouldn’t enlist a collection agency as your first line of defense. This not only reflects an over-aggressive tactic but sacrifices any possibility that you receive payment in full.

Debt collectors and lawyer need to receive their payment as well. The fees or percentages of the overall debt a debtor owes your company is theirs if they can secure payment.

Nevertheless, what other avenues can you take? What you will likely discover, is that you end up doing many of the tasks that debt collectors themselves end up trying. This includes sending letters, making phone calls, attempting payment restructure, in addition to potentially discounting debt to reclaim some of what the debtor owes.

However, the one thing to keep in mind no matter your best course of action, begin politely before escalating the situation. Additionally, if you commit to escalating your debt collection efforts, ensure you continue with professionalism. This cordial behavior ensures an increased chance to receive payment.

Decide Between a Debt Collector and a Doral Lawyer Specializing in Debt Collection

When your letters and phone calls don’t prove successful, it is time to enlist professional services. However, which professional should you call: a debt collector or a debt collection attorney?

Acquiring the professional intervention from an attorney is always a prudent idea. A Doral lawyer specializing in debt collection can offer you their guidance regardless if you pursue litigation through civil court, or hire a collections agency. This legal consultation is well worth any investment regardless if this means your time, money, or both.

They also can write your strongly worded letters on professional, legal stationary. This may seem like a small thing, however, in many cases, a demand letter on legal stationery is precisely the motivation a debtor needs to repay the debt they owe. This is because debtors don’t want to find themselves facing a judge, admitting why they decided they didn’t want to repay the debt.

If your Doral lawyer specializing in debt collection cannot obtain results through writing letters, you can then decide if you need to proceed with a collections agency, in court, or drop the matter entirely.

If your debt reflects a large number, and you remain willing to take the case to court, the attorney is far and wide the best option. However, you should know that if you don’t want to take the debt to the court, it is likely not in your best interest to hire this legal professional.

Price out each option versus the amount of the debt. This will help you determine which option is best for your business, as well as what the debtor owes you. Additionally, when you contact the attorney or professional debt collection, bring copies of any receipts and letters as proof while reclaiming your debt.

Law Offices of Paul A. Humbert, P.L. | Doral Lawyer Specializing in Debt Collection

It doesn’t matter if you choose an agency or a lawyer. The important thing is that you do your research before selecting either professional. This will ensure you not only make the proper choice concern course but additionally the right company or practice.

Debt collectors offer services in a wide variety of specializations. They may focus on home improvement debts, student loans, or loan repayment. Nonetheless, other companies may represent national companies that can easily find debtors who otherwise remain anonymous.

If you select a Doral lawyer specializing in debt collection, ensure that they possess a proven track record. They must also maintain capability at representing you if the case reaches the court phase.

The best part about choosing a debt collector or attorney is that you can take your first step towards collecting your debt. While this may not represent the ideal solution, in the end, it is better than receiving nothing at all.

The Law Offices of Paul A. Humbert, P.L., specialize in collecting debts for a variety of clients. We represent both national, as well as small businesses while collecting debts on their behalf. For more information on a Doral lawyer specializing in debt collection, contact our legal practice today.

We are here to help YOU with any business litigation matter you may have!