Stop Creditor Harassment – Creditor harassment can the most difficult part of financial stress. Ignoring phone calls, getting threatening letters in the mail and living in fear of never knowing whether you car might be repossessed or your home foreclosed. You can sometimes stop creditor harassment by simply telling them to stop calling you, changing your phone number, and using caller-ID or sending them a letter. If a collector continues to harass you after you have given notice, you can sue the collector under the Fair Debt Collection Practices Act for any damages you suffer and statutory damages. It is important to remember that creditors of unsecured debt must get a court judgement before they can start collection procedures like wage garnishment or seizure and sale of personal property. However, creditors of tax, child support and student loan debts are exceptions to this general rule. Call the Remboldt Law Firm, LLC for help at 404-348-4081.
Benefits of Declaring Bankruptcy
When you are considering whether or not you should declare bankruptcy, you should know that declaring bankruptcy — whether through chapter 7 or chapter 13 — brings significant benefits for stopping creditor harassment:
- Tell the Creditor to call us: When you hire us, you can tell your creditors they need to contact us rather than you, and usually this is enough to get them to leave you alone, at least during the course of our representing you.
- Court-ordered demand to stop the calls: When you file for bankruptcy, the court sends out a document called a “stay”, which prohibits the creditors from any further debt collection activities for the duration of the bankruptcy proceedings.
- Keep your home and car: Filing bankruptcy can also stop foreclosures, repossessions, garnishments and liens.
Find out if a chapter 7 or chapter 13 bankruptcy is the best answer to creditor harassment, the threat of foreclosure or repossession. Contact the Remboldt Law Firm, LLC at 404-348-4081 to schedule a FREE consultation.