Credit cards. Personal loans. Mortgages. Car loans. Medical bills. Student loans.
The number of bills that you receive on a monthly basis can overwhelm you. That overwhelm can easily turn to fear and worry if you cannot always make every payment. That fear only escalates when creditors start calling you and your loved ones at all times of the day, sending emails, text messages and letters, and more.
You do not have to suffer under these demanding and demeaning tactics. You can stop creditor harassment and gain peace of mind. Just pick up the phone today to call one of our experienced bankruptcy attorneys at The Turnaround Team.
– Brian M. Blum, Managing Attorney
Federal Law Protects You From Creditor Harassment
The Fair Debt Collection Practices Act (FDCPA) protects all consumers from creditor harassment. It specifically prohibits the following collection tactics:
- Contacting consumers before 8 a.m. or after 9 p.m.
- Using profanity or obscene language
- Threatening violence
- Informing a creditor’s friends or coworkers about the creditor’s debts
- Calling a creditor’s workplace when they know the employer prohibits those calls
- Repeatedly calling a customer and other abusive behavior
If one of your creditors is partaking in any of the above behavior, you can put an end to it. One of your many options is calling a bankruptcy lawyer.
Bankruptcy Stops the Harassing Phone Calls, Emails and Letters
As soon as you file for bankruptcy, the court imposes an automatic stay. What this does is forces all creditors to immediately stop contacting you for any reason. Once in the bankruptcy process, all creditors must work through your attorney and the bankruptcy court.
Filing bankruptcy will not only stop the harassing creditor calls. It will also stop any collections actions, wage garnishment and foreclosure processes. This relief may be just what you need to get back on your feet and turn your situation around. Learn more by getting in touch with our attorneys today.
Discuss Your Creditor Concerns in a Free Consultation
Here at The Turnaround Team, we understand that money is tight. We do not want that to stop you from getting the advice you need. That is why we offer free consultations to all new clients. We will sit with you, listen to your situation and then provide you with our recommendations for moving forward.
You do not deserve harassment of any kind. Let us help you put an end to creditor harassment. Schedule your free consultation at our Scottsdale law firm today. You can either contact our bankruptcy lawyers online or call our offices at (480) 420-1999.