Saturday, January 12, 2013

Essential Services Provided By A Debt Collection Lawyer San Jose Dwellers Have To Know About

By Charlotte McBride


It is essential for investors to have access to different loan facilities in order to carry out major investments. At times a supplier of goods to customers can also take goods on credit and pay the lender once they have sold the commodities to the customer. All these situations result into debt where the borrower is expected to pay as per the agreement. There are however cases where borrowers do not honor their agreements due to one reason or another. Legal advice is thus needed in these situations. The services offered by a debt collection lawyer San Jose dwellers can make use of are therefore important.

An attorney is very effective in making people pay what they are owed. When a debtor starts receiving calls and letters from the lawyer of a lender, they consider the matter to be serious thus they are more likely to pay. The matter can thus be solved without involving the court.

Sometimes a lender may think that since a person owes them money, this person is at their mercy. This is however not the case the borrower has rights enforced in the law as much as the lender. A borrower therefore also needs a debt collection lawyer who can inform them of their rights and options according to the law.

Both lender and debtor may attempt to solve the matter out of court since a legal battle can be quite time consuming and costly. The two will thus meet in the presence of the lawyers and draft an agreement that seeks to pay a lender within a certain period of time. This is a better way as opposed to going to court.

Sometimes none of the parties may uphold the agreement. It is therefore important to include consequences for not following the agreement. The debt collection lawyers of both parties do this since they are aware of what the law requires from each party.

Sometimes a borrower can default payment so many times that the only option available to the lender is to file a suit against them in order for them to pay up what they are owed. This is normally a wake up call to the debtor to pay what they are owed. It is the duty of a debt collection attorney to represent their clients in a court of law.

After a lender has successfully won the suit, the court requires the borrower to either pay the amount owed in full or to simply negotiate the payment arrangements with the lender. It is the duty of a debtor to ensure that they pay the money since the court puts very harsh penalties on a debtor for defaulting payment. Negotiating of the payment arrangements is usually done by both the lender and borrower in the presence of their attorneys.

Lenders are normally faced with very tricky situations where their borrowers keep promising to honor their obligations but failing to do so. The lender may thus have very few options available to them so as to recover their money. The services that may be offered by a debt collection lawyer San Jose dwellers can make use of are thus very important.




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