Stop Creditor Harassment in Illinois
Far too many people in Illinois are living with daily creditor harassment. Are threatening calls from bill collectors wearing you down? Has a creditor threatened to sue you if you don't make a payment that you can't afford? Have you stopped answering your phone?
Creditors will stop at nothing to get what they want, and your financial difficulties only get worse with time. The phone will keep ringing, and the bullying will continue until you do something about it. Fortunately, you can stop these creditor intimidation tactics with the help of an experienced bankruptcy attorney. If you are tired of living under the burden of persistent threats from lenders, call or text DebtStoppers today for a free debt evaluation with one of our qualified Illinois creditor harassment attorneys.
What Is Creditor Harassment?
Consumer protection laws such as the Fair Debt Collection Practices Act require your creditors to avoid abusive, unfair, or deceptive practices such as:
- Making threats of violence or harm
- Making incessant phone calls intended to annoy or harass
- Contacting you at an unusual or inconvenient time or place
- Contacting you before 8 a.m. or after 9 p.m.
- Using obscene or profane language
- Calling you without telling you who they are
Unfortunately, too many creditors continue to engage in these abusive collection practices, even though they are against the law. Their goal is to make you feel frightened, frustrated, and trapped — so that you will agree to do things on their terms.
Stop Illinois Creditor Harassment Today
The stress caused by this constant intimidation can wear you down over time. Dealing with such a personal invasion into your daily life can affect your relationships, job performance, and even your health.
You don't have to put up with it. Illinois bankruptcy laws can provide a way out. When you file for Chapter 7 or Chapter 13 bankruptcy, the court will issue an automatic stay to protect you from collection activity. Not only will creditors be unable to collect money from you, but they are also prohibited from contacting you, period! Your phone will stop ringing, and the harassment will stop the moment that you file for bankruptcy.
When considering bankruptcy, an Illinois bankruptcy attorney can help you determine which type of bankruptcy is right for you and your finances. If you don't have any significant assets and want to eliminate your debts quickly, filing for Chapter 7 in Illinois is probably your best bet. Chapter 7 allows your "non-exempt" property to be sold to pay off creditors, but we rarely see our clients have to give up any of their possessions.
Another option is Chapter 13. This type of bankruptcy lets you reorganize your debts into a manageable repayment plan. You'll be able to pay back your creditors over 3 to 5 years. With Chapter 13, there is never any liquidation of assets involved, so you don't have to worry about losing your home, car, or personal property.
DebtStoppers Can Help
Our creditor harassment lawyers in Chicago want to help you escape the endless cycle of threats and intimidation. Call or text DebtStoppers today at 312-913-0630 to schedule a free one-on-one consultation with one of our Illinois debt relief attorneys.
DebtStoppers is the largest Chapter 7 filer in Illinois and the only law firm that will advance your $335 filing fee, so you don't have to wait a minute longer to end creditor harassment. Call or text us right now to take the first step towards freedom from creditor harassment.