Will my creditors stop harassing me when I file for bankruptcy in Chicago?
One of the biggest benefits of filing for bankruptcy in Chicago is freedom from creditor harassment. From the minute you file, your creditors are prohibited from contacting you about your debts thanks to a legal action called the automatic stay. That means no more letters in the mail, no more harassing phone calls at home or at work and no more bills that you can’t pay.
But while your Chicago Illinois bankruptcy filing should be enough to silence creditors, occasionally a bill collector will choose to ignore your bankruptcy and continue contacting you. This is a violation of the Fair Debt Collections Practices Act. If one of your creditors proceeds to harass you even after you’ve filed for bankruptcy, notify your bankruptcy attorney immediately and provide the name and contact information for the offending party. Your lawyer will quickly resolve the issue by going to court, putting a stop to the harassment and even seeking damages on your behalf.
If you’re overwhelmed by debt and in need of credit repair, you shouldn’t have to waste another minute dealing with creditors. Your energy would be much better spent fixing your finances – and bankruptcy can help you do just that. Bankruptcy is the fastest and most effective way to put a stop to harassing banks and bill collectors while simultaneously eliminating debt.
While it’s possible to file for bankruptcy on your own, your best bet is to hire an experienced bankruptcy lawyer. A bankruptcy attorney acts as a middleman between you and creditors. Once you file, all contact must be made through your bankruptcy law firm. Your attorney will walk you through the bankruptcy process, handle your paperwork and, when necessary, take incompliant creditors to task.
Think of the relief you’ll feel when the phone rings and you can pick it up again without fear of talking to a bill collector. If you’re in default on your mortgage, unable to afford minimum payments on your credit card bills or facing repossession of your car, a Chapter 7 or Chapter 13 bankruptcy Chicago filing can put you back in control of your finances. Your bankruptcy lawyer will help you determine which plan is right for you. Either way, you’ll be on your path to freedom from debt – and from creditors.