Are You Being Harassed By A Creditor?
There are few things in life that are more frustrating than creditor harassment. Is a creditor calling you at all hours of the day or even at work after you have told them not to? Has a collector threatened to have you arrested? Is a creditor calling your family members about your debt? Maybe, someone is trying to collect a debt from you that has already been paid or disputed.
Whatever your situation, creditor harassment can cause you to lose sleep. All of the situations mentioned above are actually illegal, but even when creditors follow the rules they can cause great stress.
We can help you get the creditors off of your back. At Gormley and Johnson Law Offices, PLC, in Fowlerville and Howell, we help people get the debt relief they need to live in peace. Call 517-219-9301 today for a free legal consultation. We look forward to learning about your situation and talking to you about your options.
Stop Creditor Calls With An Automatic Stay
Filing bankruptcy is one way to secure yourself from the threats of creditors. As soon as you file, an automatic stay goes into effect. This essentially bars creditors from taking any action to collect a debt. They will not even be allowed to contact you.
Is bankruptcy the answer for you? It may or may not be, depending on your unique circumstances and goals. A proper bankruptcy filing may allow you to reduce or eliminate most if not all of your debt. We can help you evaluate your options and consider whether Chapter 7 or Chapter 13 bankruptcy might help you. Debt settlement may also be an option.
What Can You Do If You Are being Harassed?
It is important to understand your rights and options when dealing with creditors. Some collections efforts are legal while others are not. Under the federal Fair Debt Collection Practices Act, it is illegal for debt collectors to abuse, mislead or threaten you (in certain manners). Illegal actions include:
- Contacting you if you have filed for bankruptcy protection
- Contacting someone else about your debt, such as your employer or relatives other than your spouse
- Threatening you with violence or falsely threatening you with arrest
- Pursuing a debt that has already been paid or settled
- Calling you at unreasonable times of day or calling you repeatedly
If you are experiencing illegal creditor harassment, it is important to report the activity to the Michigan Attorney General. Our experienced lawyers can also help you understand your options to get out of debt and stop creditor harassment.
Put An End To Creditor Harassment With Our Help
If you have questions about your options, do not hesitate to contact our law firm. Based in Fowlerville, we serve Livingston County and the nearby communities of Brighton, Lansing and East Lansing. Call 888-288-5LAW to schedule a free phone consultation and case review. You can also reach us by email. We would be happy to answer your questions and put you on the path to debt relief.