Sometimes falling behind on your bills is unavoidable. The unexpected can and will happen. No one deserves to be harassed by creditors or collection agencies, but this happens more often than you might think. At King & King, we are familiar with the tactics creditors use and we can inform you how to legally stop abusive debt collection. If creditors have begun calling you at home and at work looking for payment and you want the calls to stop, contact King & King today to find out how we can help put an end to creditor harassment for you.
What is Creditor Harassment?
Unlawful harassment by creditors or collection agencies is just one more thing you don’t need when you are already struggling with serious financial problems. There are laws in place that protect you from creditor harassment and your bankruptcy attorney can take action to stop the calls and notices. Here are a few examples of common creditor harassment we can help stop:
- Calling repeatedly
- Calling you at work
- Calling at unreasonable times of the day
- Using obscene or offensive language
- Threatening arrest or jail time
- Discussing your debts or failure to pay with a third party
- Threatening seizure of your property
- Threatening violence against you or your family
How to Deal with Creditor Harassment
Federal law protects you from creditor harassment and abusive debt collection tactics. If you are dealing with harassment from a creditor, they may be in violation of the Fair Debt Collection Practices Act. Here are a few ways to help protect yourself:
- If you receive a call at your place of employment, tell the creditor that you cannot take calls at work and keep a record of all calls.
- Tell the creditor or collection agency in writing to stop contacting you and send the letter via certified mail.
- If you receive notice from a creditor intending to initiate a debt collection lawsuit against you, contact an attorney immediately to discuss your legal rights.
- Do not fail to respond to a summons because a default judgment could be entered against you by the court, which could result in wage garnishment or a lien on your property.
- If you file for bankruptcy, your bankruptcy attorney will list your creditors in your bankruptcy petition paperwork, and the Court will notify the creditors of your bankruptcy filing.
Bankruptcy Can Help Stop Creditor Harassment
Filing for bankruptcy will end creditor harassment. For many people, filing for bankruptcy is the best opportunity for them to get their finances back on track and get a fresh start free from debt. When you file for Chapter 7 or Chapter 13 bankruptcy in Georgia, debt collection efforts, including calls from creditors, wage garnishments and debt collection lawsuits, any pending foreclosure on your home, and eviction or repossession proceedings stop immediately. If the harassing phone calls or letters continue, you can tell the creditor that you have filed for bankruptcy and direct the creditor to contact your bankruptcy attorney. If that doesn’t put a stop to the creditor harassment, your bankruptcy attorney can notify the bankruptcy court, which can result in the creditor being fined or ordered to pay damages.
Call King & King For Help Today
Are you ready to make the harassment stop and get back to living your life? When you work with King & King, you can expect a legal team that fights hard for you. You can expect an attorney who talks with you in straightforward ways about your rights. You’ll never be overwhelmed by legal jargon or court procedures that you just don’t understand. You can live debt free.
Contact King & King today for more information.