Debt Collection

Debt Collection

 

Giordano Spanier & Heckele, PLLC’s Debt Collection attorneys can help any creditor get paid!  Whether you are owed money under a judgment or some other contract, we can assist creditors, large and small, recover the money they are rightfully owed.  Our attorneys have assisted many creditors, including larger institutions such as Walgreens, collect debt that had been, for all intents and purposes, written off.

Collection agencies’ Debt Collection practices in Arizona are governed by Arizona’s Fair Debt Collection Practices Act (FDCPA) in Title 32 of the Revised Statutes; specifically, A.R.S. § 32-1001 et seq.  In many instances attorneys are exempt from many FDCPA restrictions, which often yield far more favorable results for creditors.

In addition, creditors can “put their money where their mouth is.”  In other words, if a collection agency writes a demand letter threatening legal action, in order to follow through they must retain a law firm.  When a lawyer, however, is threatening legal action he is presumably equipped to follow through.  At HSH Law we follow through!

The first step in any Debt Collection is to write the debtor a Demand Letter stating the amount owed (including interest) and demanding payment by a certain date.  The demand letter will often include the consequences of failing to timely comply, including the threat of lawsuit (if the creditor is in fact willing to take such legal action).

The Debt Collection and litigation attorneys at HSH Law are equipped to file suit against debtors that fail and refuse to pay their debts.  Those lawsuits, more often than not, result in the creditor obtaining a judgment in their favor for monetary damages.  Once a judgment is entered, our attorneys can seek further collection on that judgment in a variety of ways.

In order to enforce a judgment, our Debt Collection attorneys will first determine what assets a debtor has, such as real and personal property, including wages, and then will attempt to have an attachment issued thereto.  A creditor may garnish wages or foreclose on real and/or personal property belonging to the debtor.  The attorneys at our firm apply multiple pressure points upon a debtor simultaneously, which often results in payment of the outstanding debt to our client.

If you have questions regarding Debt Collection or are a creditor in need of help enforcing your contractual rights, call the attorneys at Giordano Spanier & Heckele, PLLC at (520) 495-0869 or email us at info@reallawtucson.com.  Mention this web page for a FREE CONSULTATION.