You have rights settling with debt collectors and if creditors are harassing you!
Sometimes when a creditor is desperate to recover money from you, creditors or debt collectors will harass and embarrass you until you pay. Have been intimidated or harassed? Is your debt being discussed with your employer? Have creditors used any other coercive methods to get you to pay your debt? If any of these are true, then please get in touch with us for a consultation with one of the leading creditor harassment attorneys Flint.
We’ve dealt with creditor harassment before, and we know how to stop it and hold the harassing creditors responsible. The Federal Fair Debt Collection Practices Act (FDCPA) forbids debt collectors from resorting to manipulative, misleading, or abusive behavior.
If you’re wondering how you can stop harassing phone calls from creditors, we can help you use your rights to prevent it from happening. Also, we offer bankruptcy services that can be used to put a hold on creditors’ collection efforts for the whole period of your bankruptcy.
What is creditor harassment?
There are plenty of things that qualify as creditor harassment Flint. Here are a few of the means that you are protected from by the FDCPA:
- Creditors threatening to commit a crime or act of violence against you.
- Threatening to have you jailed, garnish your income, or take your assets without the legal authority.
- Telling you that not repaying your debt is justifiable in court - this is not true.
- Constantly calling in order to bother you.
- Refusing to disclose their identity as someone who represents the debt collector or creditor.
Once you file for bankruptcy in Flint, your creditor will be contacted right away. As soon as that happens, any contact from your creditor must go through your attorney at Detroit Bankruptcy Law. They can no longer contact you directly, they have to speak with us. If you were to be sued by a debt collector, you can use creditor harassment violations as a defense and even maybe countersue for it. In this case, the creditor would end up paying you for damages.
How can bankruptcy help you?
If you’re sick of being contacted by debt collectors and creditors, bankruptcy can be your best option. As soon as you file for bankruptcy, it activates an automatic stay. This automatic stay stops collection efforts for as long as your debt is being resolved. Creditors cannot contact you at all, not over the phone, through the mail, or any other way.
We at Detroit Bankruptcy Law are some of the most qualified bankruptcy attorneys in Detroit, Flint, and the surrounding metro area. With our years of expertise and board certification in handling creditor harassment, we will help you find the best path toward financial freedom.
We want to help you with any legal problems, and we’ll always be available to help you with financial issues, too—like credit card debt. Get in touch today to get personalized attention on your case so that you can resolve your credit card debt, stop harassment, and live without debt!