Legal ramifications of not paying debts

We often receive questions from worried readers about what will happen if they don’t pay down their debts on time. Whereas we always answer that it’s not a very big problem for those who gather some credit card debt once in a while, we do give some more specific advice to those with tens of thousands of dollars in debt, often in the form of credit. Under the following headings, we will go into the legal ramifications of not paying debts.

What are some of the consequences of not paying debts?

Not paying your debts might lead to the following consequences:

  • You’ll receive a debt collection notice
  • The creditor can foreclose on your property or other forms of collateral
  • You will not go to jail. We can confirm this one straight off the bat

Now, we will go into more depth on each of these consequences. 

You’ll receive a debt collection notice

When you don’t pay your bills on time, the first thing that will happen is that you’ll receive a debt collection notice, most often by email at first, before you then get a phone call from the collection company about how much you owe. Despite the sudden terror people feel in relation to any contact with these kinds of companies, you usually don’t have anything to worry about at this point. So please answer them. If they are professional, they will simply enlist the state of the situation and offer some ways that other people have solved the same problem as you’re having right now. There should not be any guilt associated with the process.

If you keep ignoring the debt collectors, they will most likely file a court lawsuit against you, which might, in turn, lead to the next consequence on our list: 

The creditor can foreclose on your property or other forms of collateral

As long as the judgment of the court approves of it (and it often will if you ignore the debt collectors), the creditor can seize the collateral you might have put up when you signed the loan. Collateral comes in the form of things like your house, boat, or car, and when you put it up, we have what’s called a “secured creditor.” 

Can a person go to jail for not paying debts?

No, you can not go to jail for not paying debts. The reason that you can’t go to jail for not paying debts is that the offense is of a civil nature, and not a criminal one. Most often, people go to jail for putting other people’s lives at risk. 

Is there anything you can do to repay your debts before things go too far?

After having explained some of the above consequences to our worried readers, we assure them that there are always some things you can do to repay your debts before things go too far: 

  • Ask friends and family: Depending on the extent of the debt, the relationship you have with friends and family members, as well as how strongly they stand financially, you might be able to ask these people for help
  • Gather your debts: As we mentioned in the introduction, most people’s debt problems are owed to credit card loans with high interest rates. The good thing is that banks in many countries are devising new solutions to help people pay down their debts. One that is particularly useful, is gathering your debts with a personal loan without security, in case you have several small loans/dispersed debt. To learn more about combining all your small loans into one, you can go to the following resources: 
  • https://www.americanbank.com/personal-loans (US) 
  • https://lanfordeg.no/forbrukslan/ (Norway)
  • https://www.moneyland.ch/en/consumer-loan-definition (Switzerland)
  • Declare bankruptcy if you own a business: If you own a company and have a debt that’s much higher than what we have covered above, one final solution to your debt problems might actually be to declare bankruptcy. This has doubtless saved many business owners from being overburdened with lifelong failures to pay down their debts. 

In sum, whereas you will incur some legal ramifications when you aren’t able to repay your debts, in the form of having your collateral be taken away (sometimes even through forced property selling), you can rest assured that you will never go to jail. But let’s do all we can to not let things go that far! 

Why the need for lawyers never will go away

For thousands of years, lawyers have been playing a central role in solving conflicts in a humanitarian and just way. Below, I will argue that our need for them is never going to go away.

 

The Roman Empire

In Ancient Rome, private individuals who had sufficient financial means would often pay an experienced debater/lawyer to plead their case to the public. Often, if the lawyer was skilled enough in rhetorics and legal matters, they could even be counted on to win a case that should not be won, for example by proving that someone was innocent when they in fact were not, and the like (which is not very ideal in regards of “justly” judging people in the court). 

 

The Viking Age

When disputes arose between different household owners during the Viking Age – often about a piece of land – the outcome was usually one of these two: a fight to the death between the disputants, or the solving of their conflict. The former would often lead to blood revenge, and entire families resolving to kill each other, which led to endless cycles of violence. The latter would mean that one or both of the parties would go to the local chieftain, who was advised by the lawgiver of the town in legal decisions. The lawgiver acted as the different parties’ “lawyer” by providing the chieftain with their own viewpoint on the basis of their legal expertise and experience. 

 

Now

In the 21st century, we have come a long way when it comes to what happens in the court, and rightfully punishing people for their wrongdoings while not punishing those who are innocent. What certainly seems to be out of the question, is that the need for lawyers will go away. 

 

The lawyer’s job has come to be about assessing a case that the client brings and giving advice on how the case can be followed up. If the lawyer has private individuals as clients, the cases may concern, for example, questions of inheritance, divorce, or neighbor conflict. Lawyers who work with business law and have companies and large companies as clients are used, among other things, as advisers in negotiations and when agreements are written.

 

In other words, lawyers are used in countless different areas. One especially popular type of lawyer in Norway is the eiendomsadvokat Stavanger, who follows up on all matters regarding real estate. 

 

Often, the client’s case can be resolved without ever going to court (though hopefully in more peaceful ways than a fight to the death, such as in the Viking Age). Sometimes this happens through mediation, and many lawyers have continuing education in legal mediation.

 

If a conflict can only be resolved by taking it to court, it will be a lawyer who leads the case. Both parties to a conflict will then have a lawyer to represent them, and the lawyer’s job is to present the best arguments for his client.

 

One thing is for sure: the need for lawyers will never go away, as the field has existed for thousands of years, it is expanding, and new needs are coming up as a result of the rapid technological, political, and social development which is taking place. 

How Research is Conducted in Criminal Justice

Criminal justice research is one of the key components in building an effective criminal justice system. Research can undoubtedly aid in formulating better and more innovative laws and systems in the criminal justice sector. Ultimately, such skills help criminal justice practitioners assist and support in the creation of more efficient and effective systems and policies. It also helps them analyze existing policies, programs, and reforms that are being followed by the criminal justice sector. Thus, criminal justice research allows professionals to improve the efficiency of their respective departments.

Criminal Justice

There are several criminal justice research facilities and programs existing nowadays. They have been assisting scholars and researchers in numerous fields. Some of the fields in which criminal justice research helps include child safety, juvenile delinquency, policing and corrections, sexual abuse, pornography, and drug abuse. Some of the areas in which this research helps are probation enforcement, justice administration and crime prevention. Understanding the roots of criminal behavior is necessary in order to curtail crimes.

Ways in Which Research in Criminal Justice Is Conducted

Criminal justice research designs typically fall into two categories. One is descriptive, and the other is experimental. Descriptive research designs collect information on offenders through various means. These typically include interviews, surveys, and in-depth studies with focus groups.

On the other hand, experimental research designs collect data on crime rates, patterns, and trends. The data is then analyzed using various methods. Criminological experts usually use survey methods as part of their research designs. A great example of a socio-scientific study on criminology is the study of mass school dropouts. A major portion of this group falls below the poverty line and has low educational levels and joblessness. The causes attributed to such low levels of social mobility were then drawn from the social sciences and the academic literature.

Empirical data collection

However, it should be noted that most theories regarding crime and delinquency are empirical in nature. This means that these theories are created on the basis of existing facts. Such empirical data collection can be done through the use of statistics, survey methods, and qualitative methodologies. In essence, criminological experts conduct theory construction and then test the hypotheses using quantitative methods. A vast majority of scholars rely on quantitative data collection and theoretical constructions.

Statistical Analysis

There are numerous benefits of incorporating statistical analysis in criminal justice research. Among these is the use of specific variables to study associations between variables and offender characteristics. Another popular area of inquiry in criminological studies is the use of a mixed-method approach wherein experts from various disciplines are brought together to address a single problem or issue. These approaches have enabled scholars to shed new light on pressing issues in public safety and criminology.

How research in criminal justice helps society

In line with this endeavor, criminologists have also conducted several studies aiming to develop a better understanding of the legal system, increase the effectiveness of the legal system in addressing public security concerns, and improve the efficiency of the judicial system in dealing with claims made by victims of crime. To date, there have been several researches focusing on studying the link between public safety and the effectiveness of the legal system in addressing crimes and devising ways to prevent crime. One of the latest researches focused on examining the deterrence of burglary by exploring the relationship between neighborhood demographics, economic development and crime rates.

Quantitative methods

Quantitative methods are essential in studying criminal offenders, analyzing the legal system, and studying the influence of the media on the public perception of safety. This type of research helps criminologists gain a deeper understanding of the criminal offenders and the influences that they have upon society. This learning research can be useful to law enforcement agencies and other officials charged with the responsibility of maintaining order and deterring criminals.

In addition, these methods can be beneficial to academics studying the social structure and culture of an area and the role that the criminal justice system plays in maintaining it. Criminologists may also use this type of learning research to understand issues that concern the prevention of crime and address pressing issues related to crime.