How To Stop Creditor Harassment
Creditor harassment can make your life a living hell. It’s hard to feel the vibration of your phone and not immediately think “What now? Why won’t they just leave me alone? I’m doing the best that I can.” The debt collectors hired by creditors are relentless and lack all basic human compassion. They make it their job to belittle you, harass you, and make you feel like there is no light at the end of the tunnel when you owe money.
The awfulness of these debt collection methods is reality for many individuals, families, and business owners throughout Minnesota and Wisconsin who are struggling with debt such as credit card bills, medical bills, and late mortgages. At the time they can least afford any added stress, they are subjected to this inhumane treatment by collections agencies.
While you can’t make debt collectors and debt collection agencies any less reprehensible in their attempts to collect a debt, you can put an end to the harassment with the help of a knowledgeable bankruptcy attorney. At Nicolet Law Office, our creditor harassment attorneys represent individuals and families in Minnesota and western Wisconsin who need help with debt relief. We can put an end to the creditor harassment and show you the way to a fresh start free from the debt that’s dragging you down.
Types Of Creditor Harassment And Illegal Debt-Collection Practices
Examples of collection harassment and creditor harassment include mail, phone calls, home visits, emails, and even harassing your employers about your debt. Debt collectors will often cross legal boundaries by giving false information, impersonating law enforcement, and providing false information about a debtor’s rights. Whether some of these actions are illegal or not, there’s no doubt that they are awful and designed to put fear into debtors including those who have simply fallen on hard times.
Once you file for bankruptcy and the automatic stay goes into effect, ANY action by debt collectors towards you constitutes harassment and is illegal. At that point, they are not allowed to contact you in any way; all communication about your debt must go through proper channels and be addressed by your bankruptcy attorney. This provides you with a shield so you can focus on getting your finances in order without the unwelcome stress of creditor harassment.
How Can A Bankruptcy Attorney Help You With Creditor Harassment?
You know how aggressive the collections agencies and their minions are in their attempt to make your life awful. A bankruptcy attorney will fight just as aggressively to put an end to creditor harassment and help you get your financial house in order. They will work hard to put the pain and torment of creditor harassment behind you. Once a bankruptcy attorney helps you file bankruptcy, an automatic stay will go into effect that makes it illegal for creditors to contact you and puts a stop to wage garnishment.
If you own or operate a small business it’s crucial to seek the help of a bankruptcy lawyer. Depending on how your business is structures, you could face the loss of business assets and/or the loss of personal assets as a result of your debt. An experienced bankruptcy attorney may be able to help you avoid damage to your personal finances and estate as a result of the financial problems your business is experiencing. It may be possible to seek relief through business bankruptcy as well as personal bankruptcy to get the fresh start you need.
What Should You Look For In A Bankruptcy Attorney?
The most important thing you can do is find an attorney you trust. Bankruptcy is an intensely personal matter, as most of us don’t make a habit of publicizing our finances. You need someone you can feel comfortable with so you can be open about your financial struggles and trust them to help you find the debt relief solutions that work best for you.
Experience is important. Does your prospective attorney have experience handling bankruptcy cases in Minnesota or Wisconsin? Are you able to find reviews from past clients that speak to what you’re looking for in a bankruptcy attorney? Do they have experience helping people discharge the specific types of debt you are struggling with, such as credit card debt or medical debt? If you’re trying to hold on to your house, does the attorney have experience with foreclosure?
The traits that will make one bankruptcy attorney better than another will be specific to your situation and your goals. The right attorney for you may not be the right attorney for everyone and that’s okay. The choice of a lawyer is very personal and it’s crucial that you have peace of mind about the person you’re putting in charge of achieving a better future for your family.
How To End Creditor Harassment
The first step is realizing that it doesn’t have to be this way and, depending on the actions of the collection agency, you are protected by the Fair Debt Collection Practices Act (FDCPA). You don’t have to live in a constant state of anxiety about what the creditors and debt collectors are going to do and say next. It is possible to put a stop to their aggressive collection practices and put an end to your debt problems. Both can be accomplished with the help of a skilled attorney.
For most people, the best option for putting an end to aggressive debt collection practices will be filing for bankruptcy. This will be Chapter 7 for most but Chapter 13 for those who have too much income to qualify for Chapter 7 or need help preventing a foreclosure. A consumer protection and bankruptcy lawyer from Nicolet Law Office can help you identify the best option for your situation and your goals, which includes putting an end to debt collection harassment.
Once you file for bankruptcy an automatic stay will go into effect that bars creditor harassment – and any creditor or debt collector contact at all – as well as wage garnishment, repossession and other actions. Filing for bankruptcy is also the first step in creating a repayment plan and moving one step closer to discharging your debts and moving forward with a fresh start.
If you’re unsure about filing for bankruptcy there may be additional debt relief options available to you such as a negotiated settlement. Your attorney stepping in to negotiate a payment plan with your creditors may result in them calling off their dogs and ending the harassment you’re experiencing.
However, bankruptcy usually is the best option despite the negative connotation it has in some circles. There are many misconceptions about bankruptcy that an attorney can help you dispel. For example, people often worry about the effect that bankruptcy will have on their credit. Truth be told, if you are at the point where bankruptcy is a viable option, your credit is likely already severely damaged. Bankruptcy and the fresh start it provides is actually an opportunity to rebuild a positive credit rating; many people are able to open credit accounts or get an auto loan within a year of their bankruptcy being finalized.
Put Your Debt – And Creditor Harassment – Behind You
Tired of being harassed by creditors? Our bankruptcy and creditor harassment lawyers at Nicolet Law Office, are passionate about helping people in Wisconsin and Minnesota get the relief they need. That includes debt relief as well as relief from harassing phone calls and other deplorable actions of creditors and debt collectors. You can take the first steps toward a fresh start today by calling us toll free at 715-377-2141 for legal advice. Or, contact us online to schedule your free initial consultation. Our law firm offers flat-fee bankruptcy, payment plans and reasonable fees.