Stop Creditor Harassment
Anyone who has struggled with debt knows creditor collection actions can verge on psychological harassment. Phone calls never stop. In fact, many debtors get calls at night, and even at work. Creditors make threats to garnish wages. They may even contact your family members and neighbors.
Many find themselves being put over the edge when collection actions never stop. But there is relief. As soon as you file bankruptcy, creditors are legally required to stop all collection actions against you.
To find out more, contact the law firm of Bird & Van Dyke in Stockton, California.
How Does Bankruptcy Stop Creditor Harassment?
Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy creates what is known as an automatic stay, a legal order that prevents creditors from making harassing phone calls, contacting you, or taking any other action against you.
The Fair Debt Collection Practices Act
Debt collection agencies are required to follow the guidelines established by the Fair Debt Collection Practices Act. These rules prohibit creditors from taking certain measures against a debtor, including threats of bodily injury and calling past a certain hour. This is just one of many benefits of bankruptcy.
When To Consider Bankruptcy
Good people from all walks of life find themselves in financially troubling situations all the time. But sometimes circumstances beyond their control cause them to seriously consider bankruptcy: overwhelming medical bills, job loss, credit card debt, and more.
Making the decision to file bankruptcy is never easy. But if you are dealing with never-ending creditor harassment, it may be time to talk over your legal options with an attorney. Even if bankruptcy is not your best option, a lawyer will able to recommend a course of action based on your specific needs. Attorney has more than 15 years of experience in bankruptcy law. He can help you determine a debt-relief plan that considers your specific financial concerns.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.