Creditor Harassment and Debt Relief Attorneys
Protection from Creditor Harassment
Whether your debts are mounting due to a job layoff, a serious illness, or for any other reason, it does not give your creditors the right to harass you.
The Fair Debt Collection Practices Act was designed by the FTC to protect consumers like you from creditor harassment. It prohibits debt collectors from calling you at odd hours of the day or night.
One provision of the act forbids a creditor from “Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.”
Stopping the Cycle of Creditor Harassment
Despite FTC regulations, many consumers are afraid to answer the phone. Even opening the mail can cause fear and trepidation in most people. Why? Despite laws which forbid creditor harassment, bill collectors still engage in abusive tactics.
The cycle of abuse goes like this: first the creditor sends you letters and threatening phone calls. If you are unable to make payments, then your case is transferred to a collection agency. The agency repeats the cycle of harassment.
If the creditor files suit, you will have 30 days to answer the complaint or face the consequences. A default judgment will be entered in favor of the creditor. The court can award your creditor the amount demanded in their complaint, plus court costs and interest fees.
The most effective way to stop creditor harassment and collection actions such as lawsuits, wage garnishment and foreclosure is to file for either Chapter 13 or Chapter 7 bankruptcy.
Putting an Automatic Stop to Creditor Harassment
At the Vidrine Law Firm, PLC, our bankruptcy and consumer rights attorneys take a dim view of any creditor who harasses a client. We can put an end to abusive creditor phone calls and letters through a bankruptcy process known as an “automatic stay.”
When you file for bankruptcy relief, the court will send notice to your creditors to cease all harassment or customer contact. All further communication is directed to our law firm.
If your creditor violates this rule, be assured that we will protect your legal rights. We will notify the creditor immediately to stop all contact. The creditor can also be sanctioned for violating the automatic stay order.
The moment you file for Chapter 7 or Chapter 13 bankruptcy, it immediately:
- Puts and end to creditor letters and phone calls
- Ends checking account and wage garnishment
- Stops creditor letters and phone calls
Our debt relief attorneys will aggressively protect you from harassment of any kind by creditors. We can inform you of your legal rights during a comprehensive, free case evaluation. Call us now at 520.885.1106 to end the cycle of creditor abuse.
