Know your rights for settling with debt collectors and stopping harassment by creditors!
There are creditors and debt collectors who continuously harass debtors to get their money. Are you often harassed or intimidated by creditors? Do you think that they are negotiating your debt with employers or others? Are they trying coercive tactics to force you into paying off your debt? If any of these are happening to you, please give us a call and we’ll set up a consultation as one of the best Port Huron creditor harassment attorneys.
We have tons of experience dealing with this and we know how to get creditor harassment to stop, as well as how to hold harassing creditors responsible. We’re up-to-date with the Federal Fair Debt Collection Practices Act (FDCPA), which made it illegal for debt collectors to abuse, manipulate, or deceive people. We can help you exercise your rights under this act. We’ve also got the expertise in bankruptcy to help you use it to stop creditors from trying to collect from you during your bankruptcy.
What is creditor harassment?
There is a range of behavior that counts as creditor harassment Port Huron. The following are just some of the behaviors that the FDCPA protects you against:
- Not disclosing their identity as someone who represents the debt collector or creditor.
- Creditors who threaten to commit a crime or use physical assault.
- Repeatedly calling you in order to annoy you.
- Threatening you with jail time, income garnishment, or asset seizure without the legal right to do so.
- Telling you that not paying your debt is a criminal offense.
As soon as you file for bankruptcy in Port Huron, debt collectors are notified. Once that has happened, all debt-related contact must go through your lawyer at Detroit Bankruptcy Law. Instead of contacting you, now they have to contact us. In some cases, you can even use these creditor harassments in your defense, and possibly countersue your debt collector for damages.
How can bankruptcy fix this issue?
As a debtor being harassed by debt collectors, bankruptcy is an effective option. Filing for bankruptcy activates an automatic stay which stops any collection efforts until your debt is resolved. This means that creditors have to stop harassing you, whether by phone, letter or email, or any other means.
Detroit Bankruptcy Law firm can help you choose the smartest way to gain your financial freedom using our years of experience and board certification in dealing with creditor harassment.
For any legal or financial troubles you might have, like paying off credit card debt, we’re here to help. Call right away to have an attorney take a personalized approach to your situation so that you can stop creditor harassment and get on with your life debt-free!