Bankruptcy Can Stop Creditor Harassment And Abuse In Its Tracks
Phone calls at all hours of the day and night. Threatening letters. Neighbors and relatives asking why they are getting phone calls about you. If you are struggling with debt, you have probably experienced this type of harassment by your creditors. You are probably feeling stress and embarrassment. If so, reach out to an experienced bankruptcy lawyer to find out how to get things back under control.
At Linda Bal & Associates, we are dedicated to helping our clients put a stop to creditor harassment. More than that, we help people deal with the debt that is the root cause of harassment. Our attorneys use bankruptcy as a tool to help people regain control of their financial lives.
Putting An End To The Threats
By filing for bankruptcy — whether Chapter 7 or Chapter 13 — you will receive protection from the bankruptcy court. The court will immediately require your creditors to stop trying to collect money from you. This is called an “automatic stay.” Once the stay is in place, creditors must not:
- Send threatening letters
- Call you at home or at work
- Initiate foreclosures or repossessions
- Garnish your wages
What If A Creditor Keeps Harassing You?
Creditors who violate orders of the bankruptcy court can be held liable financially. The court can sanction the creditor as it sees fit. However, under the Fair Debt Collection Practices Act (FDCPA), you also have the right to file a lawsuit against the creditor to collect compensation. Some examples of prohibited debt collection efforts are:
- Calling you before 8 a.m. or after 9 p.m.
- Claiming to be an attorney or law enforcement officer
- Contacting you after you tell them you have hired a lawyer
- Threatening to sue you or threatening to have you arrested
- Contacting you after you have told them in writing to stop
You do not have to feel like a prisoner in your own home. Our Naperville bankruptcy lawyers are ready to meet with you to discuss your legal options for stopping creditor harassment and getting out of debt.
Don’t Live With The Harassment — Contact Us Free Consultation
To learn more about how to stop creditor harassment, please call our experienced Illinois bankruptcy lawyers at 630-912-5970 or toll free 800-599-2152. You can also contact our law firm online. Your initial consultation is free.