Debt Collection

Imagine lending a friend in Allentown $2,000 for a car repair, only to hear crickets when you ask for repayment. Or maybe you covered a family member's share of a Bethlehem vacation rental, and they've ghosted you. Unpaid personal debts can hit hard—both your wallet and your heart. But don't worry, you're not alone, and you don't have to chase that money by yourself.

At Van Horn Law, we're your Lehigh Valley neighbors, here to help you recover what you're owed with a smile and a solid plan. Whether you're in Allentown, Bethlehem, or Easton, this guide will walk you through how to collect personal debts in Pennsylvania, step by step, so you can get paid and move forward in 2025.

Ready to take the first step? Give us a call at 610.437.2757 or fill out our quick contact form to schedule your consultation.

What's a Personal Debt, Anyway?

A personal debt is money someone owes you, not a business.

Common examples include:

- Loans to friends or family for big expenses, like medical bills or a new phone.
- Cash you fronted for shared costs, like a group trip to the Poconos.
- Payments for favors, like fixing a neighbor's fence in Easton.

In Pennsylvania, you can legally collect these debts, especially with a written agreement, like an IOU or email. Verbal promises can sometimes work too, but they're tougher to prove. If you're unsure whether your debt qualifies, our Allentown debt collection attorneys can help you figure it out.

Step 1: Gather Your Proof

Before you reach out to the debtor, grab every piece of evidence you have. A text saying, “I'll pay you back next week,” or a bank transfer receipt can make all the difference. We recently helped Sarah, an Allentown client, recover $3,000 she lent her cousin for a home repair. Sarah's WhatsApp messages promising repayment were the key to building a strong case. No written proof? Don't give up. Our team can sit with you, hear your story, and find the best way to pursue your personal loan in the Lehigh Valley.

Feeling stuck on how to collect a personal loan in Allentown? Call us at 610.437.2757, and we'll help you get organized.

Step 2: Start with a Friendly Nudge

Asking for your money back can feel awkward, especially with someone you know. A polite but clear conversation might get things moving. If that's too uncomfortable (and we totally get it!), a professional demand letter can speak for you. At Van Horn Law, we craft firm yet friendly letters that show you're serious while staying compliant with Pennsylvania laws and the Fair Debt Collection Practices Act (FDCPA). Many of our Lehigh Valley clients see payments come through at this stage, saving them time and stress. Our Allentown debt collection attorneys know how to make this step smooth and effective.

Step 3: Bring in the Legal Muscle

If the debtor still won't pay, it's time to explore legal options. For debts up to $12,000, Pennsylvania's small claims courts in Lehigh or Northampton County are a great, low-cost choice. Larger debts may need a civil lawsuit. Wondering how to collect a personal debt in Pennsylvania? Don't let “lawsuit” scare you—our team handles all the paperwork and court appearances, keeping it stress-free. We know the Allentown and Easton courts like our own backyard and give you plain, simple updates every step of the way.

Worried about costs? We're upfront about fees and your chances of success, so you're never in the dark.

Step 4: Make Sure You Get Paid

Winning a court judgment is a big win, but it doesn't always mean instant payment.

If the debtor still dodges you, we can enforce the judgment by:

-  Garnishing Wages: Taking a chunk of their paycheck.
-  Levying Bank Accounts: Grabbing funds from their bank.
-  Placing Liens: Securing a claim on their property.

We also use asset searches and skip tracing to find debtors who've moved or hidden their money. Last month, we helped an Easton client recover $8,000 from a friend who'd skipped town, using skip tracing to track them down. Our Allentown debt collection lawyers for individuals ensure you get what's yours.

Why Team Up with Van Horn Law?

Chasing a debt can feel like a second job, and it's easy to feel frustrated or stuck. That's why we're here to make this easy for you.

When you work with our Allentown debt collection attorneys, you get:

-  Your Lehigh Valley Neighbors: We know Allentown, Bethlehem, and Easton inside out.
-  No Confusing Talk: We explain everything in plain English, like chatting with a friend.
-  Fast Action: We move quickly to recover your personal loan in the Lehigh Valley.
-  Fair Pricing: Clear, honest fees with no surprises.
-  By the Book: We follow all Pennsylvania and federal debt collection laws, keeping you protected.

Don't Let That Debt Hold You Back

You deserve to get paid, and 2025 is the perfect time to take charge. Whether you're in Allentown, Bethlehem, or Easton, Van Horn Law is here to lift the stress off your shoulders and fight for what's yours. Let's turn that “I'll pay you later” into cash in your pocket.

Ready to get started?

Call our Allentown debt collection lawyers at 610.437.2757 or fill out our contact form to schedule your consultation. 

We can't wait to help you move forward!

Quick FAQs to Keep You Going:

-  Can I collect on a verbal agreement? Yes, with the right evidence. We'll help you sort it out.
-  How long do I have to collect a debt in Pennsylvania? Usually 4 years, but don't wait—call us today!
-  What if the debtor moved? Our skip tracing can track them down, no matter where they go.