Debt Collection Laws in New Hampshire
Dealing with debt collection issues can be stressful, emotionally draining, and confusing all at the same time. Whenever a debt is owed and a collector is trying to get that debt paid, the collection process can be overwhelming and complicated. It can also become a legal matter when a debt collection agency or party goes too far in regards to collecting that debt. If you are the subject of a debt collection situation, you need to know your rights and also know what is fair and legal in regards to that debt collection. If you are a business trying to collect a debt, you may need legal help getting what you are owed. The New Hampshire firm of Laws and Demers, PLLC, can help you resolve your debt collection situation and also protect your rights in the process.
Debt Collection Laws
There are very distinct laws for debt collection in New Hampshire and anyone who is liable for a debt should be aware of those laws. It is illegal for a debt collector to threaten you, use profanity against you, or harass you. It is also illegal for a debt collector to contact your employer if you have written and expressed that they do not have your permission to do so. It is also illegal for debt collectors to use deceptive practices to reach you or collect the debt. The debt collector must abide by specific laws of notification and also by a set statute of limitations for collecting debts. For some types of debt, this statute of limitations can be three years and for other debts, such as mortgage debt, the statute of limitation can be 20 years.
If you believe you do not owe the debt that you are being asked to pay, it is vital that you keep all correspondence and records of calls. If you have paid the debt and are still being pursued, you should also keep careful track of calls and notices. It is also advisable that you do not sign anything or agree to pay a debt you are unsure of or dispute.
When you operate a business and are owed debt, that debt can greatly impact your operations and budget. Legal counsel can help you get results and resolve the matter in a timely and legal manner.
Experienced Debt Collection Attorneys
It can be easy to submit to demands or harassment under duress. This is why it is imperative that you secure legal counsel who will fight to protect you. Laws & Demers, PLLC, can help determine your liabilities and also help devise a plan to deal with the situation. Our firm understands the emotional and financial strain of debt and how debt collection practices can add to that strain. Our firm will focus on a resolution that is legal and fair while you focus on moving forward. We will put a stop to the harassment and degradation that often accompanies being pursued for a debt. We will present your options and help you feel at ease about the entire process. We will also pursue what is owed to you and your business if need be. Laws and Demers, PLLC, can handle the most complex cases and help you secure the most favorable resolution possible for your debt collection situation.
For questions or to schedule a consultation please contact Laws & Demers, PLLC today at 603-880-2000.