For countless Americans, constant creditor harassment is a way of life. Continuous phone calls, letters, and bullying lead to debilitating stress, which can damage your health, job performance, and family life. Lenders will often stop at nothing in their attempts to bend you to their will.
Unfortunately, financial hardship gets worse over time due to the excessive interest rates and late fees your creditors like to throw at you. This means that the phone will continue to ring, and debt collectors will keep on with their intimidation tactics until you take action.
If you are sick and tired of being tormented by persistent threats from creditors, we can make them stop! Call or text DebtStoppers today for a free bankruptcy consultation with one of our skilled debt relief lawyers. Filing for bankruptcy can allow you to get rid of your debts (and your creditors!) once and for all.
National consumer protection laws like the Fair Debt Collection Practices Act legally require your creditors to avoid abusive, deceptive, and unfair collection practices such as:
Your state may have passed additional legislation to protect you from creditor harassment. A knowledgeable attorney in your area can let you know if there are further restrictions on collection practices.
How To Stop the Harassment by Collectors?
Although they are illegal, many creditors still practice abusive tactics. The pressure caused by their relentless coercion can make you feel tiny and powerless.
But the truth is, you DO have power, and you DON'T have to put up with your creditors' bullying. When you file for Chapter 7 or Chapter 13 bankruptcy, the court will grant you an automatic stay that halts all collection activity. Not only will your creditors be prohibited from trying to collect from you, but they will be banned from contacting you at all! The constant phone calls and intimidation will stop as soon as you file your petition.
Debt collectors have a full arsenal of tricks that they use to manipulate and degrade you. Some of the most common collection strategies include:
If your creditors flout the law and continue to contact you after you file for bankruptcy, DebtStoppers will foot the bill to take them to court and get you compensation. We are dedicated to helping every client find relief from creditor harassment.
If you're considering bankruptcy, a DebtStoppers lawyer near you can help you decide which chapter is best for you and your financial situation. Our creditor harassment lawyers can help you escape the burden of endless bullying from creditors. Call or text DebtStoppers today to schedule a no-cost case assessment with one of our skilled debt relief attorneys.
You don't have to suffer creditor harassment. Call or text us today, and we can help you find freedom from.