CREDITOR HARASSMENT
Filing Bankruptcy Stops Most Creditor Harassment
If, like many people considering bankruptcy, you have debts that have been past due for some time, you may be receiving collection calls on a daily basis. This can be more than an annoyance and disruption, as calls may reach you at work or even be directed to co-workers and neighbors.
Aggressive, threatening creditor harassment is a factor that drives many people "over the edge" to seek debt relief by filing for bankruptcy. While other types of organizations may promise to stop frequent calls and harassment, finding reliable counsel and real solutions may require that you contact a bankruptcy attorney.
Knowing and Exercising Your Rights as a U.S. Consumer
Although the Fair Debt Collection Practices Act is intended to protect debtors' rights and prevent unreasonable, invasive tactics by collectors, it is problematic to enforce. Having such a law on your side is not enough unless you know what to do and have the resources to fight for your rights.
We at the Jonathan Garrett Law Firm can share a variety of strategies for minimizing threats and intimidation by your creditors. But as long as you owe, and have not filed for legal protection, they have the right to try to collect.
When you file either Chapter 7 or Chapter 13 bankruptcy, most creditor harassment will stop immediately or within days. For many people, this is essential to regaining focus in their lives and being able to get a handle on their finances over time.
For answers to many basic questions on Chapter 7 bankruptcy, visit our helpful Information Center .
Understanding and Addressing Your Financial Needs
You may have a variety of needs and goals when you come see us — such as stopping a foreclosure or garnishment — and we will attempt to address all your questions with honest, clear answers. Attorney Jonathan Garrett is committed to helping you look toward the future, including what you may need to do to rebuild credit over time.
Stopping creditor harassment is also an important objective for many people facing bankruptcy. If this is true for you, we can help. We strive to provide extensive, useful information to anyone seriously considering a Tennessee bankruptcy. Please contact us for a fast, immediate response and a free consultation with a capable lawyer.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.