If you’re already under pressure from
your poor financial standing, the last thing you need is the stress of creditor
harassment. Creditors use a variety of tactics to pressure debtors into paying
their debts. Some people are able to handle it, but, for their sanity, most people
need the calls to stop and are clueless about how to deal with the situation.
The stress involved can lead to poor emotional and physical health.
Chang and Carlin, LLP is a bankruptcy
law firm in Chicago that helps
people deal with their financial situation and works with them make a fresh
start in life. According to the attorneys at Chang and Carlin, there are ways
by which you can keep the creditors at bay.
Read on to find out!
Fair
Debt Collection Practices Act to the rescue!
This act prohibits various types of creditor harassment like calling after
certain times, use of profanity, threats of bodily injury, pretending to be from
the government, threatening jail as a punishment for not paying the debt–among
others.
You
need to have enough evidence
Keep anything they send you in writing,
and keep those voice mail records debt collectors leave. This especially applies
if you’ve already filed for bankruptcy. The creditor’s calls or letters could
be a violation of the automatic stay or discharge injunction.
Hire
an experienced Lawyer
If your letter fails to end the
harassment, a letter from a lawyer usually will. Additionally, once you have
hired a lawyer, the collection agency or creditor's attorney must only
communicate through your lawyer. The experienced lawyers at Chang and Carlin,
LLP can also help you raise legal claims under the FDCPA.
File
for bankruptcy
The final solution is to file for
bankruptcy. Once you file the initial papers for bankruptcy, you are
automatically protected from collection activity. The collector must first
obtain permission from the bankruptcy court before it can continue its
collection efforts. An expert bankruptcy lawyer in Chicago can
help you through the entire bankruptcy process and give you relief from
harassing creditors.
Want
Creditors off Your Back? Request a Free No Obligation Bankruptcy Consultation
The experienced bankruptcy lawyers in Chicago
can help you determine if bankruptcy is the right option for you, and will work
with you to get your finances under control. For more information on Bankruptcy
law or to schedule a FREE initial bankruptcy
consultation,
contact Chang and Carlin, LLP today!
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