Have you been suffering from financial difficulties? It could be largely tempting to put your head in the sand and hope that everything gets all right. However, if you do this, rest assured that you would receive a letter from the New York collection lawyers. You should not ignore any kind of communication from these people, as they are aware of how to get the money of their clients back. They would use several legal means inclusive of wage garnishment orders or visits by the police or both.
Debt collection lawyers could enter into a full and final debt settlement agreements with you. It may not be good as the one you could have negotiated with the debt collection agency. If you wonder why, rest assured that the debt collection lawyers would work on commission and would be paid based on what they collect monthly. It would also be dependent on how they are doing against their target. If you offer to pay the lawyer a lump sum amount in the final settlement of your debt towards the end of the month, you would find that the debt collector would accept a far lower amount than the lawyer would have done, had you approached him at the beginning of the month.
It has been especially true if you had a bad month and relatively short of his target. On the other hand, lawyers would earn high fees and would not care whether you pay them voluntarily or have to take further legal action for recovering the money. You would be able to do everything you could to avoid having to deal with the debt collection lawyer. You could always find a way out of the credit mess you find yourself in. You would be required to access quality information and the determination to get things cleared. The quickly you deal with the problem, the better results you would have.