Pontiac, you have rights for settling with debt collectors and if creditors are harassing you!
Some creditors are ruthless enough to send debt collectors who will harass and shame debtors to get the debt paid. Have you ever experienced harassment, coercive techniques, or embarrassment at the hands of debt collections? If so, our expert bankruptcy law firm Pontiac is here to defend you.
Creditor harassment cases are one of our specialties, so we have the experience and knowledge to stop their harassment and hold creditors accountable. According to the Federal Fair Debt Collection Practices Act (FDCPA), it is illegal for creditors to manipulate, abuse, or mislead debtors in order to get money from them.
With your rights, you have the power to stop creditor harassment. We can counsel you on bankruptcy, which stops collection attempts from creditors or debt collectors during the bankruptcy period.
What is creditor harassment?
These are the methods of creditor harassment Pontiac by the FDCPA:
- Telling you that not repaying your debt is justifiable in court - this is not true.
- 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.
- Refusing to disclose their identity as someone who represents the debt collector or creditor.
- Constantly calling in order to bother you.
Once you have officially filed for bankruptcy Pontiac, your creditors are immediately notified. Once they have been notified, they can no longer communicate with you directly at all, they have to go through your attorney at Detroit Bankruptcy Law for any communication whatsoever. There’s a chance that the creditor countersues you, but if they have harassed you at any point, that can be used as a defense. The creditors responsible would have to pay you money for the damages.
How can bankruptcy help you?
Bankruptcy can help you if you have been consistently pursued and harassed by debt collectors or creditors. Bankruptcy initiates an automatic stay, which means that creditors are not allowed to pursue collection until your debt is settled. They can’t legally talk to you in any way, no matter if it’s showing up at your door to calls or emails.
Detroit Bankruptcy Law staffs the absolute best bankruptcy lawyers in Pontiac, Detroit, and the metro area. We have the experience to protect your assets while settling your debt and stopping creditor harassment.
If you are struggling with any financial issues, including credit card debt, we can assist you. Give us a call now to schedule a free consultation on stopping creditor harassment and solving your credit card debt!