You have rights against how to settle with debt collectors and if you are being harassed by creditors!
Creditors or debt collectors may continue to harass and disgrace you in order to obtain money from you. Is being harassed or intimidated a frequent occurrence for you? Is it conceivable that your debt is being discussed with others, such as your employer? Or are there any other coercive tactics they're using to get you to pay off your debt? If you identify with any of the following, please contact us for a consultation as one of the leading Warren MI creditor harassment lawyers.
Warren MI Creditor Harassment
Our legal team has experience dealing with such situations and knows how to stop creditor harassment and what steps to take to keep debt collectors responsible. We are knowledgeable with the Federal Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from being abusive, manipulative, or deceptive. Let us assist you in upholding your rights under these rules if you're wondering "how do you stop harassing phone calls from creditors." We also have bankruptcy experience and understand how it may be utilized to put a stop to creditors' collection attempts for the length of the bankruptcy.
What is creditor harassment?
There are many different actions that can qualify as creditor harassment Warren MI. These actions are some of the actions that you will be protected from under the FDCPA:
- Failing to disclose their identity as someone who represents the debt collector or creditor.
- When dealing with creditors, threatening to commit a criminal 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.
After you file for bankruptcy in Warren MI, your debt collector will be notified. After that, any debt-related contact, including creditor harassment after chapter 7, chapter 13, and more, must go through your legal counsel at Detroit Bankruptcy Law. They stop contacting you and start contacting us instead. You can use any creditor harassment violations as a defense and perhaps as grounds for a countersuit if your debt collector sues you. This may lead to a court judgment requiring the creditor to pay you damages.
How can bankruptcy fix this issue?
If you are a debtor being followed by creditors and debt collectors, bankruptcy may be one of the better options available to you. When you file for bankruptcy, the automatic stay kicks in, effectively stopping all collection efforts while your debt is being addressed. Creditors must stop harassing you with collection efforts, phone calls, and other obnoxious behavior.
The Detroit Bankruptcy Law team will discuss your case with you as some of the most skilled bankruptcy lawyers in Warren, Detroit, and the surrounding metropolitan area. We can help you choose the best path to financial freedom since we have years of expertise and are board-certified in our specialty of negotiating creditor harassment.
We're here to assist you with any legal concerns you may have, as well as any financial troubles you may be experiencing, such as how to pay off credit card debt. Call immediately now to have your case customized so you can reap the benefits of learning how to settle creditor harassment and eventually live a debt-free life!