Creditor Harassment-Ways To Deal With It

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!

Disclaimer: The content provided by Chang and Carlin, LLP is not legal advice and is purely for informational purposes. The information contained herein is not a substitute for the advice of an attorney and does not create an attorney-client relationship. If you are interested in obtaining information about Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure services, or Real Estate legal services, call our law firm at 1-866-790-8601 for a Free Legal Evaluation. Chang and Carlin, LLP serves clients in Chicago, Schaumburg. Joliet, and Warrenville.

How To Choose A Bankruptcy Lawyer

Bankruptcy is a federal court process that helps individuals and firms get rid of their debts. For anybody who is in a financial crisis, the obvious solution is to look for a good bankruptcy lawyer. While there are many bankruptcy lawyers in Chicago, it can be difficult to find a good one.

Your choice of bankruptcy attorney will have considerable impact on the outcome of your case, including what debts you are able to release, what property is safeguarded from insolvency and how you are able to rebuild your finances and credit history after the bankruptcy. This makes it a very delicate decision. However you only need to pay attention to a few important pointers and you’ll likely find the right bankruptcy lawyer in Chicago.

Choosing a Chicago Bankruptcy Attorney: 7 Steps

1. Bankruptcy proceedings may be complicated and will have an impact on your future. It is well worth your time and money to ensure that the attorney you are choosing is experienced with a solid track record of success.
2. While selecting a bankruptcy lawyer, it is important to ensure that the bankruptcy lawyer works for a medium sized law firm. This is to avoid the pitfalls that might arise from hiring a one-man law firm. In such a firm, the lawyer may be over-burdened with cases and short on resources. On the other end of the spectrum, a large law firm may treat you a number, and not treat your case with the care and sensitivity you deserve due to high volumes of work.
3. Your level of comfort with the bankruptcy attorney in Chicago is an important factor. You should be able to trust your attorney and be able to communicate and interact with them effectively.
4. You are going through troubled times. An experienced lawyer will know well how to put you at ease and guide you through this time with compassion. On the other hand, you should be able to respect this person’s knowledge and experience. This is the person who will help you attain financial freedom.
5. Make sure that the lawyer offers you a Free Consultation in the law office during which you can evaluate their disposition towards you and your situation, while assessing whether their fees will fit into your already weakened finances.
6. A good Chicago bankruptcy attorney should explain the pros and cons of each step that you take in accordance with the plan of action that you both formulate.
7. The easiest and most sure-fire way of having a good experience with filing your bankruptcy is to go with a lawyer recommended by your friends or families who have used their services in the past with satisfactory results. Checking out online reviews is another good way of gauging the quality of a given attorney.

If you keep these pointers in your mind while looking for an experienced bankruptcy attorney, you can feel good about your decision. If you are looking for reputed bankruptcy lawyers in Chicago, try Chang and Carlin, LLP.