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Stop Creditor Harassment in Georgia

Is a creditor harassing you? Is he calling at your workplace? Is he using foul language and threats? Keep a log of all calls. You can also send a letter to the credit company via certified mail to demand the creditor stop harassing you. Then contact us at 678-673-2142 to schedule a free consultation and learn how bankruptcy can stop creditor harassment at once.

Explore Creditor Harassment

Creditor Harassment


What Is Considered Harassment in Georgia?

National consumer protection laws such as the Fair Debt Collection Practices Act (FDCPA) regulate how your creditors can behave when they try to collect on debts. These laws prohibit your creditors from resorting to harassment in their efforts to collect debts.

This means it is illegal for debt collectors to:


Georgia Harassment Laws You Have To Know

In addition to the FDCPA, Georgia has passed laws of its own to protect its residents from harassment. One of these laws, the Georgia Industrial Loan Act, is aimed at payday lenders and only applies to cash loans of $3,000 or less.

This law prohibits a wide range of unfair and abusive collection activities, including:

Avoid Harassment Through Georgia Bankruptcy Laws

As soon as you file the paperwork for Chapter 7 or Chapter 13 bankruptcy, the court will issue an automatic stay that forces your creditors to back off and stop their collection attempts. They won't be able to file lawsuits, make phone calls, or repossess your belongings.

Georgia bankruptcy laws allow you to wipe out your unsecured debts (e.g., credit cards or tax obligations) with Chapter 7. You can also choose to restructure your debts with Chapter 13 and set up a 3-to-5-year repayment plan to pay back what you owe over time.

An experienced lawyer can explain the differences between the chapters and which choice will help your financial situation the most. Call or text DebtStoppers today at 678-673-2142 to request a free debt analysis with one of our skilled Georgia attorneys. We know how to use the laws to make the harassment immediately stop.

Let us put Georgia bankruptcy laws to work for you! Call or text us today, and put an end to creditor harassment for good.

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