Creditor rights arise in several contexts. In some cases, they are determined by the underlying agreement signed with the debtor that provides specific remedies in the event of obligations not being met. In other cases, creditor rights may depend on whether they are secured or unsecured. A secured debt contains a pledge of property or other valuables that can be attached in court in the event of a default. An unsecured debt does not have this advantage. Either way, there are important laws governing collections. If you’ve had trouble collecting a debt, contact a creditor rights attorney who can help you understand your legal options and get your debt paid.