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You have the legal right to settle with debt collectors and stop harassment from creditors!

Creditors don’t care why you’re in debt, they just care about collecting money from you. Most creditors go about collecting money legally, but there are ruthless creditors out there who are willing to harass people in order to collect debts. If it feels like you’re being harassed by your creditor, give Detroit Bankruptcy Law a call so we can defend you. We’ll look at their actions and see if they did in fact break the law and violate your rights. If they did, we’ll do everything in our power to see them held accountable. A few behaviors that qualify as Westland creditor harassment include coercing you or scaring you into paying, as well as negotiating your debt with your boss behind your back. Let Detroit Bankruptcy Law give you a free consultation to see if you have a case for a creditor harassment lawsuit.

Over the years, the lawyers at Detroit Bankruptcy Law have seen and defended against every kind of creditor harassment there is. We know all of the tricks that they think they can get away with, and we know how to put a stop to them. You have rights that cannot be violated, as stated by the Federal Fair Debt Collection Practices Act (FDCPA). This act protects you against any sort of Westland creditor harassment, including things like abuse, deception, and manipulation. If a creditor has violated your rights in any of these ways, give us a call so that we can get them to stop and make sure that they’re held accountable.

What is creditor harassment?

Creditors are well aware of the FDCPA, so they know when they are violating your rights. They are just hoping that you aren’t aware of these rights so that they can get away with it. Keep an eye out for any of these things which the FDCPA has declared are forms of Westland creditor harassment:

  • 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.
  • When discussing with creditors, threatening to commit a crime or use physical assault.
  • Constantly calling you in order to irritate you.
  • When dealing with creditors, threatening to commit a crime or use physical assault.
  • Failing to disclose their identity as someone who represents the debt collector or creditor.

By filing for bankruptcy Westland, it puts a stop to creditor contact. The automatic stay that comes with bankruptcy makes it illegal for a creditor to contact you in any way at all and they can’t attempt collection either. Anything they want to say to you, they have to tell your lawyer at Detroit Bankruptcy Law instead. If they were willing to break the law the first time, they may still ignore that talking to you at that point is illegal. However, if they do, they are only making your case for Westland creditor harassment that much stronger. With all of the evidence against them, we should be able to win a creditor harassment lawsuit against them, meaning they’ll have to pay you money.

Can bankruptcy fix this issue?

Yes, it can, due to the automatic stay. The automatic stay that comes with bankruptcy makes it illegal for creditors to contact you in any way for the full time your bankruptcy is active. By the time your bankruptcy is done, you’ll likely have your debts settled anyway.

The best bankruptcy lawyers in Westland and the Metro Detroit area work at Detroit Bankruptcy Law. We have the board certifications, expertise, and experience to back up our work, we know how to solve your financial issues and debt problems. If you want to put a stop to Westland creditor harassment right away while clearing your credit card debt, give us a call at Detroit Bankruptcy Law for a free consultation on how to do it!