Stopping Creditor Harassment With The Help Of An Attorney
Being in debt is stressful enough without creditors hounding you throughout the day. It’s paralyzing and prevents many people from seeking help for their debt sooner because the fear becomes overwhelming. Even though the Fair Debt Collection Practices Act (FDCPA) prohibits collectors from harassing, oppressing and abusing debtors, collection agencies often walk this line precariously.
The best way to stop creditors from calling is to seek counsel from a skilled attorney. Once you file for bankruptcy and inform creditors that you have legal representation, they’re required to stop the debt collections process. If creditors have been harassing you, it may also be possible to sue for a violation of the FDCPA. The attorneys at Reynolds & Werman, LLC, can also discuss financial solutions including bankruptcy and repayment plans that may limit or eliminate creditors from contacting you.
You don’t have to drown in debt forever; filing for bankruptcy is an important solution for many people who need to start fresh. Call us today to discuss your options.
Solutions To Aggressive Debt Collectors
The FDCPA was created to protect consumers from aggressive collection tactics by creditors. Some examples of behavior not allowed under the FDCPA include:
- Threats of violence
- Obscene or threatening language
- Repetitious phone calls with the intention to intimidate or abuse the debtor
In addition to this, collectors are required to state their name during collection calls. They must also inform the debtor of their right to dispute the debt, verify the debt, and provide the name and address of the original owner of the debt.
The most effective way to prevent creditors from harassing you is to file for bankruptcy. Debt collectors are not allowed to continue contacting you for collection while your bankruptcy case is pending in court. Filing for bankruptcy may sound like a drastic or overwhelming step, but it’s a productive step toward financial freedom for many people.
If you’re being hassled by creditors, call the attorneys at Reynolds & Werman, LLC, today. We can discuss your circumstances and create a plan together that will not only inhibit creditors from contacting you, but also pave the way for financial relief.
End The Stress Today
At Reynolds & Werman, LLC, we value every person and work diligently to resolve their unique set of circumstances. Send us an email or call us today at 413-693-2632 to stop creditor harassment. We have office locations in Springfield and Lee, Massachusetts.