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Bay City, you have rights on how to settle with debt collectors and stop harassment by creditors!

Are you often intimidated or harassed by creditors? Are there coercive behaviors used to try and get you to pay your debt? Is your debt being negotiated with your boss? If any of these things happened to you or are still happening, please schedule a consultation with us to see what the best Bay City creditor harassment attorneys can do for you.

We have years of experience dealing with creditor harassment, and we know how to stop it as well as hold creditors responsible. The Federal Fair Debt Collection Practices Act (FDCPA) forbids by law any debt collectors from abusing, deceiving, or manipulating debtors. With our bankruptcy experience, we can use your rights to stop creditors’ harassment for as long as your bankruptcy lasts.

What is creditor harassment?

Here are some of the behaviors that are protected against by the FDCPA:

  • Failing to disclose their identity as someone who represents the debt collector or creditor.
  • When dealing with creditors, threatening to commit a crime or use physical assault.
  • When discussing with creditors, threatening to commit a crime or use physical assault.
  • Constantly calling you in order to irritate you.
  • Threatening you with negative consequences, such as incarceration, wage garnishment, or asset seizure without the legal right to do so.
  • Advising you that your refusal to pay your debt is a criminal offense.

When you file for bankruptcy Bay City, A notice goes out to your debt collector. From that point on, creditors cannot contact you directly. They have to contact you through your attorney at Detroit Bankruptcy Law. We can use their creditor harassment violations as a defense if they sue you. There’s a chance that they’ll even have to pay you for damages.

How can bankruptcy fix this issue?

If you’re being pursued by debt collectors, bankruptcy is one of the best options available to you. An automatic stay is begun once you file for bankruptcy, and it ends any collection attempts until your debt is addressed. Creditors will no longer be able to harass you with phone calls, letters, or any other means.

Detroit Bankruptcy Law has some of the most professional bankruptcy lawyers in Bay City, Detroit and the Metro area. We will identify the best way toward your financial freedom with our years of experience and our relevant board certifications.

We are always here to help you, whether it’s with financial concerns or legal ones, especially credit card debt. Get in touch today to have custom attention paid to your case and get control of your life so that you can live debt-free!