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Wage garnishment is important when businesses are trying to collect money from difficult customers. Courts regulate the policies on locating the debtor and communication with said debtor. Anyone in the business of attaching a salary has to abide by strong consumer regulations. Hiring an Atlanta collections attorney is the best way to get the money owed.

Recovering Funds through Wage Garnishment

In a legal case, the courts entrust the collector with sensitive information, and in serious instances, a great deal of money may exchange hands. Atlanta collection lawyers are experienced, presenting a client with the finest legal team available. In addition, Atlanta collections lawyers handle default loans with swift action. When you have done everything possible to collect from a patron, you can place the debt with an Atlanta collections lawyer, and it will get paid. Businesses lose money every year on uncollected debts. Fortunately, State and Federal law has statutes in place giving debt collectors a means of recovering funds through wage garnishment. These are civil cases requiring experience in the area of debt collection.

The Debtor’s Rights

Specializing in wage garnishment, an Atlanta debt collection lawyer understands the entities that may act on behalf of a debtor and deals with them appropriately. This might be confusing for persons unfamiliar with debt collection. A policy of no collection no fee demonstrates confidence in the abilities of our staff. This fee policy applies to all areas of collection. Businesses sell quality products and need quality representation when managing delinquent accounts. Wage garnishment is a sensitive matter and should be managed professionally for the best outcome. Debt collectors unfamiliar with the law may call consumers at all hours, on jobs or harass them in multiple ways. These activities are unlawful without the express permission of the consumer. Debtors have rights even though they owe money. A collection lawyer keeps the law and collects funds in a lawful manner.

Benefits of Working with a Collection Attorney

Furthermore, working with an attorney offers a better chance of collection. All parties will adhere to the laws and the court processes. Consequently, some collection agencies step outside the boundaries of the law. This creates problems with any collection of monies owed. A client may need money collected from a domestic dispute, credit card or breach of contract. A client can continue focusing on managing their business while an Atlanta Collection lawyer takes care of the legal process necessary to collect funds the debtors owe the business. In addition, paperwork is an important part of collections and wage garnishment. A qualified attorney will make sure all necessary documentation is in the possession of the courts. The court sometimes voids collection when the business cannot present the validation of a debt.

Howe & Associates Can Help with Wage Garnishments

In conclusion, wage garnishments require legal assistance. Furthermore, debtors have rights, and if debt collectors violate these rights, the court can disqualify a case. With all legal action, proper procedure is mandatory in the eyes of the law, and a garnishments case is no different. Losing money at every turn is not the way to collect; so, a no collection no fee is a way to help clients remain in a winning position. Whether collecting bad checks or mechanic’s liens, being paid for services rendered keeps a business moving forward. So, contact Howe and Associates for help collecting your money today.

 

 

Many businesses have concerns about the bad debt collection process. It is imperative that businesses know when to begin collection on a bad debt. This can be challenging. Each customer’s debt is unique. Business owners in the Atlanta area can seek a debt collection attorney to advise them on collection laws in Georgia.

Some companies have internal collection policies in place. The policy may initiate the collection process after a debt is older than 60, 90, or 120 days. In most cases, the customer has not responded to previous attempts to collect the debt.  Typically, a company should look out for three areas that should prompt them to begin collection on a bad debt.

When to Begin Collection on a Bad Debt

  1. Slow or no pay – Typically after the customer has been late for a significant amount of time, the business should begin collection on a bad debt with additional internal collection activity.
  2. Broken payment arrangements – Usually, when a customer’s account is in a delinquent status, the company may make special payment arrangements to accommodate the customer’s specific situation.  This normally includes lower payments with a longer period of time to pay off the debt.  When the debtor does not maintain this arrangement, the business should begin additional internal alternatives to secure the debt.
  3. Non-responsiveness – When a customer does not respond to attempts to collect the debt, the business should send demand letters and make additional calls. But if the customer does not respond to any of the methods above, the business should seek outside help from a reputable collection agency.

What are the Next Steps to Collecting on a Bad Debt?

When a customer does not respond to collection attempts, the business can write off a likely bad debt. The business can also send it to a qualified debt collection law firm. However, in a normal debt collection situation, the proper time to begin collection on a bad debt is usually after the company has internally made several attempts and has not gotten a favorable response from the customer.

There are situations when a business retains a debt collection law firm rather than a debt collection agency.  A debt collection attorney in Atlanta can enforce the debt collection laws in Georgia when they begin collection on a bad debt. According to the Georgia state laws, collection efforts can include bank and wage garnishments and sheriff levees or judgments. These methods may result in seizing the debtors real or personal property. An attorney could advise and oversee this process.

The Debt Collection Method Guidelines

The Fair Debt Collection Practices Act (FDCPA) governs the debt collection process. This law states that collection methods can be carried out, but the methods must be restricted. Additionally the ACA International has a mandatory requirement that its members abide by all laws and regulations with respect to code of ethics concerning collection methods.

After making reasonable efforts to collect on a debt, the next step may include using a lawyer or debt collector. Proceeding with debt collection efforts will only make sense up to a certain point. If collection efforts take too long, a company or individual may start to lose money on top of what is already owed. To avoid a total loss or write-off of the debt, hiring a lawyer may be the best solution for resolving outstanding debt.

Reduce Collection Timeline

Lawyers who specialize in debt collection make effective partners. They employ legal remedies that can spur a company or individual into action to satisfy a debt. A company that isn’t paid for goods and services may lose money if too much time and effort are spent on collections. However, a lawyer will assist in creating a shorter timeline for collection efforts. If negotiation and communication with a debtor fails, a lawyer may decide upon a civil court remedy. Unfortunately, sometimes a legal solution is the only way to resolve unpaid debt. Most importantly, the legal industry has a voracious reputation. Hence, it’s quite possible that a law firm may not even need to utilize the court system to resolve a debt collection issue. So, what option is better, a lawyer or debt collector?

Strong Collection Options From a Lawyer or Debt Collector

Should you hire a lawyer or debt collector? A debt collection agency may use a variety of tactics to convince a debtor to pay a bill. However, agencies cannot file a lawsuit on a company’s behalf to collect those debts. Employing a law firm for the purposes of collection allows the parties to move immediately toward mediation or a civil suit. And, a law firm can act in an aggressive manner. This will ensure the quickest resolution possible for debt that is turning into a burden for a company.

Avoid Bad Debt Write-Offs and Retain Company Image

The Great Recession looms in the minds of many individuals and companies today. Unfortunately, the common practice of writing-off bad debts has made it easy to think that this solution is easier and simpler than trying to collect on overdue debts. When a company feels that it can no longer reasonably expect to collect upon a debt, the solution may be to write-off the balance. This action may reduce a company’s tax bill. However, the value and reputation of the company may suffer if too many debts are written-off. Consider the reputations of major banks that had to write-off billions of dollars in bad loans, mortgages, and credit in 2009. Their reputations and profits suffered in the aftermath.

Collect Your Outstanding Debt with Georgia Debt Collection Lawyers

So, should you hire a lawyer or a debt collector? Unfortunately, collection efforts without an attorney might turn into a long battle with no end in sight. Additionally, significant money could be spent on collections. And, unpaid debt sometimes ends up costing more than money in the long run. Introducing a law firm into the process is a viable and immediate option. The debt collection attorneys at Howe and Associates can help you through the process of collecting the money you are owed. Contact the office today and find out the next step you should take.