When does it really help to have a debt collection attorney?

Question

When does it really help to have a debt collection attorney?

Answer

If you're in a tight financial spot, chances are the last thing you're considering is adding an attorney's fee to your pile of bills. Many people don't understand the rationale behind hiring a debt collection attorney, but there are certain situations in which this type of representation can actually be invaluable, and well worth the cost.

If you are entering negotiations with creditors, particularly over high amounts of money, you may want an attorney on your side; whether the person legally represents you or not, having them available to help make decisions and negotiate terms will ensure your rights are protected.

If you're unable to negotiate terms, can't pay your bills at this time, and are being faced with debt collection practices like garnishment and lawsuits, the debt collection attorney can also step in and help with stopping wage garnishment or dealing with other collections efforts. Your lawyer can receive the communications for you, while ensuring that all necessary steps are taken to prevent judgments against you or other actions with long-term effects. In essence, a debt collection attorney may very well be able to buy you the time you need to get back on your feet and start paying your bills again; in the meantime, your creditors won't be on your back, thus reducing a great amount of the stress that comes with falling behind on payments.

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