Knowing the Law before Attempting to Collect
There are more and more laws being put into place that seem to protect someone from paying a debt. While the government puts laws in place to protect the rights of consumers, some of the laws can make it more difficult to collect your money. This is why it is a good idea to find a reputable collection attorney
to resolve the matter for you.
Is Your Collection Attorney Familiar With State Laws?
Laws can vary from state to state. For example, the statute of limitations may be different in one state than in another state. For this reason, you need to hire an attorney that is familiar with the state laws specific to your case, and who specializes in your needed area of law (many attorneys specialize in one area but will take a case in another area of law, leaving the possibility that they aren’t as up-to-date as a lawyer who primarily handles something like debt collection). A Georgia collection attorney
will knows the laws of the state and how to effectively approach each specific debt collection matter.
, sometimes referred to as Zombie Debt, are debts for which the statute of limitations has passed. What this means is that a lawsuit cannot legally be filed if the debt is too old and the collector has failed to file a lawsuit in time.
In Georgia, the Statute of Limitations for debts, generally, is four years for actions on an account and six years for actions on a contract. These types of claims are common on credit card debt lawsuits.
Don’t Get in Trouble for Trying to Collect
There are also laws that can hold you responsible if a debtor provides evidence of harassment or any practices that may violate the law. Some people will try anything to get out of paying what they owe. If a person is unwilling to pay, they may try to find ways to make you do or say something you shouldn’t . There are countless websites and lawyers that will actually try to help people get out of their financial obligation, and even go as far as to accuse you of wrongdoing.
You may think you’re doing something completely innocent but find later that it was a big mistake and cost you your cause of action. It’s important to be very careful in every move you make when pursuing an unpaid debt.
When it comes to collecting on a debt, don’t trust someone without plenty of experience. Instead of spending too much time and money defending yourself against outrageous claims or simply getting nowhere with phone calls and letters, contact us today.
We have some of the most reputable and experienced Atlanta collection attorneys and they’re ready to help you get what’s owed.