Stop Creditor Harassment in Michigan
When you're in debt, and a creditor sends your account to collections, it seems like debt collectors have no limits. They'll try anything and everything to harass you into making a payment — even when you don't have the cash!
Constant letters and phone calls from collectors can cause extreme anxiety and harm your mental and physical health. This is your creditors' goal! They want to wear you down until they can easily bend you to their will. Don't let their intimidation tactics take over your life!
Call or text DebtStoppers today at 313-880-3970 to schedule a free debt evaluation with one of our experienced Michigan lawyers, and find out how filing for bankruptcy can help you stand up to creditors and put an end to their harassment.
What Is Harassment in Michigan Under the Laws?
Federal consumer protection laws such as the Fair Debt Collection Practices Act (FDCPA) limit the kinds of collection tactics debt collectors can use. These laws forbid creditors from threatening or harassing you in an attempt to collect debts.
The FDCPA forbids collection agents from:
- Using or threatening the use of force or other criminal activities to harm you, your reputation, or your property
- Using vulgar or inflammatory language
- Announcing to others that you owe a debt, whether publically or privately
- Falsely threatening lawsuits or arrest with no intent to follow through
- Attempting to harass or irritate you with persistent or repetitive phone calls
- Calling you without revealing their identity
- Contacting you personally when they know you are represented by an attorney
- Calling you after 9 p.m. or before 8 a.m.
Permitted and Impermissible Actions by Creditors
On top of the protection provided by the FDCPA, Michigan has passed additional laws to keep its citizens safe from creditor harassment. One of these laws, the Michigan Collection Practices Act (MCPA), creates another level of consumer protection. While the FDCPA only applies to third-party debt collection agencies, the MCPA applies to creditors and lenders themselves.
The MCPA prohibits:
- Deceptive or false statements or actions
- Harassing or abusive collection tactics
Even though these abusive practices are illegal, many collectors still rely on them. The anxiety caused by their ongoing harassment can make you feel completely powerless.
No matter how you might feel, you DO have power! Michigan bankruptcy laws give you legal rights, and you don't have to put up with creditor harassment.
Stop Creditor Harassment With DebtStoppers
As soon as you file for bankruptcy, the court will grant you an automatic stay that prohibits your creditors from trying to collect from you. Not only will they be required to stop trying to take your cash, but they will also be banned from contacting you at all! This means that the constant phone calls and bullying will stop!
Some creditors will continue their harassment despite the automatic stay. If that happens, DebtStoppers will pay out of our own pocket to take them to court and get you financial compensation for their violations of the laws.
Let our knowledgeable team of Michigan lawyers explain how bankruptcy laws can help you avoid creditor harassment and give you a new start. Call or text DebtStoppers today at 313-880-3970 to schedule a free bankruptcy consultation with one of our skilled Michigan attorneys.
It's time to tell collectors that enough is enough! Call or text us today at 313-880-3970 to stop creditor harassment permanently.