Contact us for a free consultation Click to Call Phone 800-440-7235

Creditor Harassment in Chicago

Putting a stop to oppressive collection practices

Are you tired of late-night phone calls from creditors demanding that you pay your debts? Have your creditors threatened to take you to court? Have they tried to trick you into thinking that you could be arrested if you don't pay them? All too often, your creditors will do anything to get what they want, which is why you need the help of an experienced bankruptcy attorney in Chicago to stop them.

Ordinary people face lawsuits, collections agencies and creditor harassment as a result of their debts. In a typical case, you may have lost your job. Perhaps you are using your credit card to pay for household expenses and even medical bills. If your credit card debt gets too high and you can't meet your minimum monthly payments, the creditor might file a lawsuit against you in small claims court. Or a collection agent might call you constantly throughout the day, trying to wear you down. Although the Fair Debt Collection Practices Act prohibits threats, phone calls at odd hours and constant phone calls designed to annoy you, too many creditors continue to engage in these practices. Creditors might even follow you to your home or business, or use deceit — such as claiming to be law enforcement — to try to collect the debt. The objective is to make you feel frightened and trapped — so that you will agree to do things on their terms.

You don't have to put up with it. Our Chicago creditor harassment attorneys we will show you how to stop creditor harassment by filing for bankruptcy. When you file for Chapter 7 or Chapter 13 bankruptcy, there is an automatic stay on any creditor lawsuits, wage garnishments and threatening phone calls. Creditors won't be able to take away your most prized possessions or foreclose on your house once you have filed for bankruptcy.

When considering bankruptcy, you should consult with an experienced Chicago bankruptcy attorney to consider which type of bankruptcy is best for you. If you don't have any major assets and want to get rid of your debts quickly, you might consider Chapter 7. Chapter 7 liquidates all non-exempt assets, and the money is used to pay off creditors. However, if you have a house or a car that you don't want to lose, you might prefer Chapter 13. Chapter 13 reorganizes your debts so that they are more manageable so that you can pay them off over time.

Contact DebtStoppers to restore your peace, quiet and privacy

Our creditor harassment lawyers in Chicago want to help you escape the cycle of creditor threats and intimidation. Give DebtStoppers a call today at 800-440-7235, or fill out our simple online form to schedule a free consultation with one of our experienced bankruptcy attorneys.