How to stop Creditor Harassment
Get Relief from Creditors
While constant reminders of debt owed don’t help to solve your financial matters, legal consumer protection resources and bankruptcy options help you to attain relief from both creditor harassment and debt. Bob King can help you address any concerns about creditor harassment and your rights, so you are informed when you correspond with collectors. An experienced attorney can also help you explore bankruptcy options to stop creditor harassment and collection attempts.
After determining if bankruptcy is the correct choice for you, you can inform your creditors of your plan to file for bankruptcy. The creditors will usually call our office to confirm representation then quit contacting you. If a creditor persists in calling you despite your expressed intention to file for bankruptcy, then they may be in violation of the FDCPA.
Once you have filed a Chapter 7 or Chapter 13 bankruptcy, King & Associates can contact the needed source to put an end to your income garnishments, collections, and most lawsuits relating to debt.
What Are My Protections from Creditor Harassment?
The Fair Debt Collection Practices Act (FDCPA) protects debtors by preventing creditors from using unfair practices and harassment. Creditors are allowed to pursue collections on debts owed, however they can be penalized or charged if they violate the FDCPA. Avoid exploitation from creditors by reviewing your legal rights under this act.
If a debt collector contacts you at times other than between the hours of 8 a.m. and 9 p.m., or at a job where you are unable to receive phone calls, they are in violation of FDCPA.
If a debt is owed, creditors may call your relatives and neighbors if they cannot reach you. While creditors can call other people to find out where you live, where you work, or to obtain your contact information, they can’t reveal information about your personal finances.
Your rights include the ability to contact a creditor by letter, to ask them to stop contacting you. Receiving your request in writing is usually an effective way to stop creditor harassment. However, you do have the right to pursue legal action if the harassment continues.
How can Bob King Help?
After you file for bankruptcy through Bob King at Florida Consumer Justice, your creditors are obliged to speak with your attorney instead of you.
Call him today at (941) 706-0632 or contact him online for your free initial consultation.