Putting an End to Creditor Harassment
If you have missed a debt payment, and especially if you have gone into default, you are probably receiving harassing phone calls from your creditors or their debt collection agencies. These calls can be extremely frustrating to deal with and may even be causing problems with your health, your employer and/or your family.
At the Law Offices of Scott R. Schneider, I help New York clients stop creditor phone calls and other harassment by filing for bankruptcy protection. Contact me at my offices in Hicksville to arrange a free consultation with an experienced bankruptcy lawyer.
Helping You Stop Creditor Phone Calls
You may be receiving calls at work, on your cell phone while you are with friends and associates, at home during dinner, or at other inconvenient and stressful times and locations. The calls may get increasingly frequent, and the callers may make aggressive claims about what will happen if you don't pay the debts.
The moment you file for bankruptcy, creditors and debt collection agencies must stop making phone calls and engaging in other types of harassment.
This is called an automatic stay and is one of the attractive aspects of bankruptcy for many people. If you simply do not have the money to pay your debts, there is no point enduring harassment from creditors, and the bankruptcy court can protect you from their phone calls.
Assessing Your Possible Legal Options
Many types of phone calls and other aggressive debt collection practices are legal, and the only way to stop them is to hire an attorney, usually in preparation for bankruptcy. However, there are times when creditor harassment steps over the line and violates the Fair Debt Collection Practices Act (FDCPA).
I can help you determine whether you have been the victim of illegal creditor harassment and, if so, whether pursuing a FDCPA claim may help you avoid bankruptcy. Contact me to discuss what I can do to help you get relief from creditor harassment through bankruptcy law.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
