Debt Collection Attorneys – Recovering What You’re Owed

Unpaid debts can place significant financial strain on businesses, professionals, and individuals. When customers, clients, or business partners fail to pay, legal intervention may be the most effective way to recover what you’re owed. Debt collection laws are complex, and improper collection tactics can result in legal liability. A skilled debt collection attorney ensures compliance with regulations while aggressively pursuing the money that rightfully belongs to you.

At Ratliff Jackson LLP, we represent creditors, businesses, and professionals in New Jersey and Pennsylvania to recover unpaid debts through legal action, negotiation, and judgment enforcement. Our firm handles collections cases from demand letters to litigation and asset recovery.

If you need legal assistance collecting outstanding debts, contact us today for a confidential consultation.

Why You Need a Collections Lawyer

• Self-collection efforts are often ignored, leading to unpaid invoices and financial losses.
• Hiring a debt collection attorney increases the likelihood of payment, as debtors take legal threats more seriously.
• Legal action ensures compliance with state and federal debt collection laws, including:
  • The Fair Debt Collection Practices Act (FDCPA)
  • The Fair Credit Reporting Act (FCRA)
  • New Jersey and Pennsylvania commercial debt laws
• A collections attorney can enforce payments through court orders, liens, garnishments, and other legal remedies.

Types of Collections Cases We Handle

• Business Debt Collection – Recovering unpaid invoices, business loans, and service contracts.
• Unpaid Invoices & Past-Due Accounts – Collecting debts from clients, customers, or business partners who failed to pay.
• Judgment Enforcement – Helping creditors recover court-ordered payments through liens, garnishments, and asset seizures.
• Commercial Collections – Pursuing debts owed by businesses in contract disputes, vendor non-payment, and partnership dissolutions.
• Medical & Healthcare Debt Collection – Recovering outstanding patient bills and insurance claim disputes.
• Real Estate & Rental Collections – Securing unpaid rent, lease violations, and property-related financial disputes.
• Secured & Unsecured Debt Recovery – Collecting delinquent loans, promissory notes, and past-due accounts.
• Consumer Debt Collection – Legal action against individuals who fail to meet their financial obligations.
• Debt Collection Defense for Creditors – Protecting creditors from unfair disputes and fraudulent non-payment claims.

Legal Strategies for Debt Collection

We use a variety of legal tools to ensure efficient and lawful debt recovery, including:

• Demand Letters & Legal Notices – Sending formal legal demands urging payment before litigation.
• Debt Settlement & Negotiation – Structuring repayment agreements to resolve disputes without court action.
• Filing Collection Lawsuits – Taking legal action to compel payment from non-paying debtors.
• Judgment Enforcement Tactics – Enforcing court judgments through legal means, such as:
  • Wage Garnishments – Collecting payments directly from a debtor’s paycheck.
  • Bank Levies – Seizing funds from a debtor’s bank account.
  • Property Liens – Placing a legal claim on real estate or assets.
  • Asset Seizures – Recovering money through liquidation of debtor property.

At Ratliff Jackson LLP, we ensure debtors are held accountable and payments are recovered legally and efficiently.

Who We Represent

• Businesses Owed Money from Clients or Partners – Companies dealing with non-payment, vendor disputes, or contract breaches.
• Professionals & Service Providers with Unpaid Fees – Doctors, lawyers, and consultants seeking overdue payments.
• Landlords & Property Owners with Rental Debt – Collecting back rent, lease violations, and unpaid property obligations.
• Lenders & Financial Institutions – Recovering defaulted business and personal loans.
• Creditors Holding Unpaid Court Judgments – Enforcing court-ordered debt payments.

FAQs: Understanding Debt Collection Laws

Can I collect a debt without an attorney?
Yes, but debtors often ignore collection attempts until legal action is taken. Hiring an attorney improves the likelihood of payment and ensures compliance with debt laws.

What is the Fair Debt Collection Practices Act (FDCPA)?
The FDCPA protects consumers from abusive collection practices, but creditors still have the right to collect debts legally through court action.

Can I sue someone for not paying a debt?
Yes. If a debtor refuses to pay, we can file a lawsuit, obtain a judgment, and use legal enforcement methods to collect.

What happens if I win a judgment but still don’t get paid?
We can enforce judgments through wage garnishments, bank levies, property liens, and asset seizures to recover the money owed.

How long do I have to collect a debt?
Debt collection is subject to a statute of limitations that varies by state. Acting quickly improves your chances of recovery.

What should I do if a client refuses to pay an invoice?

• Send a written demand for payment.
• Keep all contracts, invoices, and communications.
• Contact a debt collection attorney for legal enforcement options.

Recover the Money You Are Owed – Take Legal Action Today

Unpaid debts can hurt businesses, disrupt cash flow, and cause financial distress. At Ratliff Jackson LLP, we aggressively pursue debt recovery through legal means, ensuring creditors receive the payments they are entitled to.

If you need legal assistance recovering unpaid debts, contact us today for a confidential consultation.