Charlotte Collections Lawyer
Horack, Talley, Pharr & Lowndes, P.A.
Consult with a Proven Charlotte Collection Lawyer
The proven Charlotte collection lawyer at Horack, Talley, Pharr & Lowndes, P.A. are experienced in the effective resolution of collections lawsuits as related to the debtor-creditor collections in North Carolina. Charlotte collection attorneys are knowledgeable in all areas of general collections law, including but not limited to wage garnishment claims, retail collection cases and commercial collections in Charlotte, North Carolina. Clients will have the confidence of knowing that their case is being handled by an experienced and knowledgeable Charlotte collections lawyer.
The Charlotte collection attorneys have experience representing clients with collections claims involving:
- Charlotte Bribery Lawyer
- Charlotte Collections Lawyer
- Charlotte Commercial Collections Lawyer
- Charlotte Garnishments Lawyer
- Charlotte International Collections Lawyer
- Charlotte Post Judgment Collections Lawyer
- Charlotte Professional Collections Lawyer
- Charlotte Retail Collections Lawyer
- Charlotte Secured Collections Lawyer
- Charlotte Unsecured Collections Lawyer
Experienced Charlotte Collection Attorney
The legal scope of North Carolina collections law falls under debtor-creditor law, which governs situations in which one party is unable to provide payment for a debt to another. The process of collections refers to the pulled debit payment of a creditor. Commonly, a collection agency is an organization that seeks payment on debts owed by people or commercial entities. Most collection agencies typically operate as creditor agents and pursue the collection of debts for a fee or commission of the amount of debt owed.
Non-bankruptcy debtor-creditor law is governed mainly by state statutory and common law. Harassment, defamation, or other unfair practices in attempts at debt collection may be curbed by tort claims in state court. states also regulate debt collection through statute. Congress has enacted the Fair Debt Collection Practices Act to regulate some debt collectors.
Creditors use judicial and statutory processes to have debts satisfied. Attachment is a limited statutory remedy whereby a creditor has the property of a debtor seized to satisfy a debt. Garnishment allows a creditor to collect part of a debt (for example wages) to satisfy the obligation. Replevin allows a creditor to seize goods, such as a security interest, that he or she has a property interest in, to satisfy the debt. Receivership involves the appointing of a third party by a court to dispose of the debtor’s property in order to satisfy the debt.
A debtor may attempt to fraudulently convey a piece of property to keep it out of the creditors’ hands. state laws seek to prevent this type of property transfer. Many states have adopted the Uniform Fraudulent Conveyances Act or its successor, the Uniform Fraudulent Transfer Act.
Every state has laws, which vary by state, governing the time in which a person or entity can file suit to collect a debt. Depending on state law and whether the debt is the result of a written contract, oral contract, open account, or promissory note, a creditor or debt collector gives up his right to file suit to collect a debt after a period of anywhere from 2 to 15 years from the time the debt became delinquent. Local Charlotte collections attorney should be consulted for specific requirements in your area.
Trusted Charlotte Collections Law Firm
The Charlotte collections attorneys at Horack, Talley, Pharr & Lowndes, P.A. are distinguished by a history of successful collections claim recoveries. For experienced representation in a collections dispute, contact the Charlotte collection lawyers at Horack, Talley, Pharr & Lowndes, P.A. in North Carolina.
Horack, Talley, Pharr & Lowndes, P.A.