Ten Rules Every Commercial Collection Consultant Should Follow in Los Angeles

5 minutes, 16 seconds Read

Los Angeles is big city with a bustling economy and a booming population. Unfortunately, this can often lead to an increased amount of personal debt. With the cost of living in Los Angeles being higher than many other cities, many residents struggle with paying their bills on time, leading to a high amount of debt.

Personal debt in Los Angeles is a major issue with the average Los Angeles household owes over $16,000 in credit card debt and $5,000 in medical debt. This is especially concerning, as medical debt is often difficult to pay off. This debt can lead to long-term financial issues and can have a negative impact on your credit score.

If you’ve fallen victim to personal debt, you may receive calls from a commercial credit consultant and if so, it’s important for you to know what is and isn’t legal for collection agencies to do in Los Angeles. Speaking with a Debt Collection Lawyer Los Angeles is wise. An attorney can help you understand your rights and also help you take action if your rights are being violated.

Commercial Collection Consultant Rules in Los Angeles

For commercial collection consultants in Los Angeles, there are some essential rules to follow for legal collections. Following these ten essential rules will help to ensure success and protect clients from any potential legal issues.

  1. Know the Law: The first and most important rule for any commercial collection consultant in Los Angeles is to know the applicable laws. The state of California has strict collection laws that must be followed, and any violations can result in severe penalties and legal action.
  2. Be Proactive: When pursuing debt collection, it is important to be proactive and take action as soon as possible. The longer a debt goes unpaid, the more difficult it is to collect on it, so it’s important to be persistent and follow up with the debtor as soon as possible.
  3. 3. Be Respectful: Treating debtors with respect and dignity is essential in the collection process. Being rude and aggressive will only make it more difficult to collect on a debt, and it can also lead to legal problems.
  4. Use Appropriate Language: It’s important to use appropriate language when communicating with debtors. Using profanity or threatening language can lead to legal issues, and it can also damage the reputation of the business.
  5. Document Everything: Any communications with the debtor should be documented, including emails, phone calls, and letters. This will help to protect the business in case of any legal disputes.
  6. 6. Be Honest: It is important to be honest with the debtor and provide accurate information. Deceiving debtors can lead to legal issues, and it can also damage the reputation of the business.
  7. Provide Options: Offering debtors payment plans and other alternatives can help to make it easier to collect on a debt. This can also help to avoid any legal issues.
  8. Follow-Up: Following up with debtors is essential in the collection process. If payment is not received, it’s important to follow up and remind the debtor of their obligations.
  9. Know When to Outsource: If a debt becomes too difficult to collect on, it may be necessary to outsource the collection process to a third-party collection agency. This can be helpful in getting the debt paid faster.
  10. Avoid Litigation: Litigation should be avoided if possible as it can be costly and time-consuming. If litigation is necessary, it’s important to have all the necessary documents and evidence to prove the debt.

Following these ten essential rules will help any commercial collection consultant in Los Angeles to be successful and avoid any potential legal issues. It is important to be respectful, honest, and persistent in the collection process, and to be aware of any applicable laws and regulations. By doing so, collection consultants can ensure that their clients get the money they are owed in a timely manner.

What Debt Collectors Cannot Do in Los Angeles

There are specific rules that debt collectors must follow within California law. Some of the most important include:

  1. Harassment: Collection agencies must not harass, oppress, or abuse any person in connection with debt collection. This includes, but is not limited to, the use of profane or obscene language, threats of violence, or the publishing of a debtor’s name or address on a “bad debt” list. In the past, harassment has earned credit collection agents a bad name so this rule is especially important to follow.
  2. 2. False or misleading representations: Collection agencies cannot falsely represent the character, amount, or legal status of any debt. They also can’t falsely imply that the debtor has committed a crime or that the debtor will be arrested if the debt is not paid. Serious implications can result from collection agents who violate this rule.
  3. Unfair practices: California law clearly states that collection agencies may not collect any amount greater than the amount of the debt, nor may they deposit a post-dated check prior to the date on the check. They may not threaten to take any action that they do not intend to take or that cannot legally be taken.
  4. Unlawful communication with third parties: Collection agencies may not communicate with third parties, such as neighbors, employers, or family members, regarding the debt. This includes disclosing information about the debt or making false statements about the debtor. It is legal to call the workplace one time to verify employment but any calls past that to the workplace are illegal.
  5. Unauthorized fees: Collection agencies are not allowed to charge any fees that are not authorized by law. They may not charge fees for collecting a debt or for providing copies of documents.

If you are experiencing any of the above illegal actions by a debt collector, it’s time to get an attorney to represent you. Whether the debt is legitimate or not, a Debt Collection Attorney in Los Angeles can help you.

Best Debt Collections Attorney in Los Angeles

If you think your rights are being violated by a debt collector, reach out to the best Debt Collection Lawyer Los Angeles – Jacob O. Partiyeli. He will fight for your rights and is experienced in doing so. Don’t put up with harassing calls any longer. Give the expert legal team at the Law Offices of Jacob O. Partiyeli a call today  – (310) 801-1919.

Similar Posts