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The Fair Debt Collection Practices Act: What is it?

If your business extends credit to its customers or allows the purchase of goods and services on account, you should be aware of your customers’ rights under the federal Fair Debt Collection Practices Act (FDCPA). The FDCPA requires that debt collectors treat debtors fairly, and prohibits certain methods of debt… Continued

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Negotiating With Creditors: What You Should Know

If you are a small business and you owe a debt, it may be helpful to think proactively and consider beginning negotiations with your creditors. This is often a good way to reduce your debt and get some relief from troublesome calls from creditors. However, if you decide to bargain… Continued

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I am a secured creditor – how can I collect my debt?

Who is a Secured Creditor? Secured creditors have an interest in some sort of asset. These assets could include a car, boat, land, and other property. If you don’t pay the debt of a secured creditor, this creditor can seize the property. Secured Debt: How to Collect One of the… Continued

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Your Guide to the Fair Debt Collection Practices Act: The Who, What, When and How’s

There are many ways that a creditor may seek to collect an outstanding debt. For example, the creditor may attempt to collect the debt through direct communications with the debtor, by filing a lawsuit against the debtor, by seeking to take possession of or to sell property securing the debt,… Continued

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What types of debt collection practices are prohibited?

As a business owner, collecting debt from a customer can be challenging. And while it may be tempting to engage in self-help remedies or other tactics to recover debt, keep in mind that some methods are strictly prohibited. Here are a few examples of debt collection practices that are prohibited:… Continued

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Should my Small Business file for Bankruptcy?

If your company is constantly in the red and you are unable to pay your debts, you may be considering bankruptcy. As with any legal course of action, it is critical to consult with an experienced business attorney. Below are some suggestions if you are considering filing for bankruptcy. Bankruptcy:… Continued

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Saving Small Businesses: Business Organization That Can Save Your Assets

If your business has been in the red for a while, and you cannot pay off your business debts, your creditors may start looking for money. They can do this by threatening legal action against you or your business. For these reasons and more, it is critical to consult with… Continued

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Should I Collect a Debt from a Bankrupt Customer?

Business owners have a difficult choice to make when a customer does not pay their bill. The matter is further complicated if that customer files bankruptcy. At that point, you have to decide if it is worth your time to go after them for the debt. In some cases, collecting… Continued

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My Business Is Owed a Debt: What Are My Rights as a Creditor?

When a business’s customer fails to pay his or her debts, the business, as a creditor, has several available remedies to help collect the money from the customer, the debtor.   “Self-Help” Remedies and Collection Agencies First, the creditor may simply contact the debtor directly and demand payment.  If these… Continued

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What are my chances of successfully collecting debt from a bankrupt customer?

Attempting to recover a debt from a customer can be very challenging, and business owners have a difficult choice to make when a customer does not pay their bill: do you pursue the customer or not? What happens when the customer files bankruptcy? At that point, you have to decide… Continued

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