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.
When you fall behind on your debts, it seems like your creditors will stop at nothing to try to get you to make a payment — even if you can't afford it! Constant phone calls, letters, and even text messages from collectors can take their toll on your mental and physical health. This is your creditors' intention.
Creditors harass to wear you down, making it easier for them to mold you to their will. Don't let them have all the power! Call or text DebtStoppers in Atlanta today at 678-673-2142 to schedule a free consultation with one of our skilled Georgia lawyers, and learn how bankruptcy laws allow you to stop creditor harassment, once and for all.
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:
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:
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.