Stopping Creditor Harassment
The most effective way to stop creditor harassment is by hiring an attorney to either file for bankruptcy or negotiate a repayment plan with your creditors. Many individuals have chosen to have a Philadelphia Bankruptcy Attorney help them deal with the problem by either filing Bankruptcy or have the attorney deal with the creditors. If you are unable to make the minimum monthly payments on your credit cards, have fallen behind on your mortgage, or are facing the repossession of one or more of your cars, have unpaid medical bills, are being threatened by tax collectors or facing wage garnishment, filing for Chapter 7 or Chapter 13 bankruptcy may be the best way to stop creditor harassment. Filing for bankruptcy initiates an automatic stay that requires collection agencies and all creditors to immediately cease all collection and foreclosure actions against you. The protection is effective upon the filing of the Bankruptcy.
Filing for Bankruptcy – Putting an End to Creditor Harassment
Additionally, once you file for bankruptcy, creditors are no longer allowed to contact you but must go through your lawyer. The creditor harassment attorney at Law Offices of David M. Offen will handle all inquiries and issues related to creditors and collection agencies regarding our client’s bankruptcy. If, for whatever reason, a collection agency or bank continues contacting you after you’ve filed for bankruptcy we have the right to file for sanctions for the violation of the automatic stay, including seeking financial damages for our client under the terms of the Fair Debt Collection Practices Act (FDCPA).