Harassment

You are enjoying a relaxing Sunday afternoon. The phone rings. The number is unavailable, but you answer it anyway. It is a creditor demanding money. You get that sinking feeling. You know you owe the money, but you can't pay it. If only the creditors would stop calling. Then they start calling the people who you listed as references on the loan documents and telling them that you owe money and asking how they can get in touch with you. You feel embarrassed and taken advantage of. Then all that seems to come in the mail are past due notices and collection demands. Now you are really getting depressed. The reality is that creditors can and do make demands. This feels like they are harassing you and doing things they can’t do, but as long as they stay within the law, creditors can ask you to pay what you owe until it is paid.

Now the good news. As soon as you file a chapter 7 or 13, all communication from creditors must STOP. That is the law. They cannot call or write or email or text. If any creditor contacts you after you file, you simply tell them that you have filed, give them your case number and the date you filed and they must stop. If they do not stop, they can be forced to stop by the bankruptcy court.

If you are experiencing aggressive collection activity and want to make it stop, call us today for a free initial consultation. We will look at your situation and tell you what will give you the most relief. We have been stopping creditor harassment since 1983. We want to do the same for you