Need Help Stopping Creditor Harassment? We Can Help.
If you are receiving constant, harassing phone calls from creditors, there is a way to make them stop calling. Once you hire a lawyer to file Chapter 7 or Chapter 13 bankruptcy, by law creditors are required to stop calling you.
At the Law Office of Weiss & Schmidgall, P.C., in Merrillville, Indiana, we offer a free attorney consultation to discuss your options if you are being harassed by creditors. Our lawyers serve clients in Lake and Porter counties of Indiana, including those as far away as South Bend and Lafayette. We also work with clients in the East Chicago/Chicagoland area of Illinois.
What Are Examples of Creditor Harassment?
Creditor collection actions are governed by both state and federal laws. The Federal Fair Debt Collection Practices Act (FDCPA) is specifically designed to delineate the differences between proper methods to recover debts and actions which are considered harassing. Here are some of the tactics creditors often use in their attempts to collect debts:
- Calling you 15 or 20 times a day
- Sending you threatening letters
- Calling your family members, friends or employer
- Threatening you with criminal charges or imprisonment
- Impersonating an officer (some creditors have even appeared wearing fake police badges to intimidate debtors into paying)
By law, all debt collection attempts must cease as soon as you hire an attorney — which you can do for as little as $100 down. Once you notify a creditor that you have hired a lawyer, the creditor is required to stop contacting you and funnel all communication through your lawyer. In fact, should a creditor continue to harass you, you may have grounds for a civil suit to recover monetary damages.
Are There Alternatives to Bankruptcy?
Depending on your debts, you may have options such as debt consolidation or collections defense that can reduce or eliminate your debt without filing bankruptcy.
Free, Confidential Attorney Consultation
Call 866-858-4901 to discuss your creditor harassment with an experienced bankruptcy lawyer. Day, evening and Saturday appointments are available. Contact us to learn more and schedule your consultation.
We are a Debt Relief Agency, We Help People File For Bankruptcy Relief Under the Bankruptcy Code.
