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You have rights against how to settle with debt collectors and to stop being harassed by creditors!

Creditors and debt collectors may resort to harassment and embarrassment to collect your debt. Are you often harassed or intimidated? Is your debt being discussed with your boss? Have you had any other coercive techniques applied to you? If anything like this has happened to you, give us a call for a consultation, we’re one of the best creditor harassment attorneys Bay City.

Our staff has handled many similar situations and we know how to end creditor harassment and hold creditors accountable. We know the Federal Fair Debt Collection Practices Act (FDCPA) well. By law, creditors cannot use abusive, misleading, or manipulative actions against you.

If you want to stop harassing phone calls from creditors, we can help you use your rights to end them. We also have experience in bankruptcy and how you can use it to stop creditor’s collection efforts for your entire bankruptcy period.

What is creditor harassment?

There are various behaviors that count as creditor harassment Bay City. Here are some of the behaviors protected from under the FDCPA:

  • Threatening to commit a crime or use physical force when speaking with creditors.
  • Threatening to commit a crime or use physical force when speaking with creditors.
  • Threatening negative measures against you, such as having you jailed, garnishing your income, or taking your assets without having the legal authority to do so.
  • Telling you that your failure to repay your debt is justifiable in court - this is incorrect.
  • Constantly calling you in order to irritate you.
  • Failing to disclose their identity as someone who represents the debt collector or creditor.

Once you file for bankruptcy Bay City, your debt collector will be contacted. Then, they can only contact you through your lawyer at Detroit Bankruptcy Law. They cannot contact you directly from that point on. If they choose to sue you, we can use their creditor harassment violations as grounds for a countersuit, and you may even get some money from them for damages.

How can bankruptcy help you?

If you have creditors or debt collectors trying to collect from you, bankruptcy can help you. Once you file for bankruptcy, it activates an automatic stay that stops any collection efforts for the time that your debt is being resolved. No more collection efforts, including phone calls and other tactics.

We are some of the most experienced bankruptcy attorneys in Bay City, Detroit, and the Metro area, and we can counsel you on your situation. We have the expertise and board certification in negotiating creditor harassment.

We’ll assist you in dealing with legal issues, and we can help with financial issues like paying off credit card debt. Get in touch today to get attention specific to your case so that you will be free from credit card debt and creditor harassment!