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  • Writer's pictureJonathan Baner

Addressing Your Debt Collection Concerns: Part 1

At Baner and Baner Law Firm, we understand that the decision to hire a debt collection attorney isn't an easy one. It's often accompanied by numerous worries and concerns. Over the course of this blog series, we aim to address twenty of the most common concerns we've encountered from judgment creditors, and show you how our expertise as the Garnishment Gurus can guide you through these fears.

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In this first installment, we will tackle the following five debt collection concerns:

  1. Cost: Many creditors worry about the cost of hiring an attorney. However, most debt collection attorneys work on a contingency basis. This means they only collect a fee if they successfully recover your money. Plus, remember, every dollar we recover is money that might have otherwise gone uncollected. When we offer a non-contingency fee (as an alternative) it is almost always because it is a possible quick first step to a full resolution.

  2. Complexity: The debt collection process can indeed be complex, and this complexity can be daunting if you are the one that has to do it. That's where we come in. As experienced attorneys, we navigate these legal complexities daily. Our job is to handle the legal maze so you can focus on your business or personal life. There is no reason for you to have to spend 3 years of your life in law school and then the 10+ years we've spent gaining wisdom for debt collection. Let our knowledge and experience remove the complexity of it entirely.

  3. Time-Consuming: Yes, debt collection can be a lengthy process, and some creditors are worried about the time investment required. That’s another area where hiring a professional pays off. We take on the time-consuming task of debt recovery, allowing you to invest your valuable time elsewhere. If we do our jobs right, then your only time should be spent cashing the checks we send.

  4. Bad Publicity: Some people fear that resorting to debt collection could harm their reputation or their business's image. However, it's important to remember that collecting a legitimate debt is a legal right. We practice ethical, professional, and respectful debt collection that upholds your reputation. We are a law firm, and we only utilize the legal procedures available.

  5. Fear of Aggravating the Debtor: Concerns about potential retaliation or a worsening relationship with the debtor are common. We are skilled in handling sensitive cases, balancing firmness with diplomacy. Our aim is not to aggravate, but to mediate and facilitate payment. This can be important if the underlying debt is based on a familial relationship (such as collecting a divorce decree) or a big customer that bit off more than it can chew in its ordering.

Overcoming these fears is the first step towards effective debt recovery. In the next installment, we'll address more concerns. Remember, acknowledging your worries is the starting point of the journey to successful debt collection. And with the Garnishment Gurus at Baner and Baner Law Firm, you're not alone on this journey.

Stay tuned for the continuation of this series as we work to demystify the debt collection process, and in the meantime, reach out to us with any immediate questions or concerns.


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