Bankruptcy Can Stop Creditor Harassment
Answering harassing phone calls at home or work is one of the most difficult aspects of being in debt. It's embarrassing to have your employer know that you are having financial difficulties. It is very stressful to know that you will receive harassing phone calls during dinner, while you are putting your children to bed — even late at night or early in the morning.
At our South Florida law firm, Ferrer Shane, PL, we want you to know that filing Chapter 7 bankruptcy can stop these calls. In fact, federal law requires creditors to stop harassing you immediately when you file bankruptcy. Once you have filed, an automatic stay prevents creditors and collection agencies from collecting the debt. They are allowed to communicate with you only through your attorney. The telephone calls and threatening letters cease.
Delay Foreclosure of Your Home
Filing bankruptcy can delay foreclosure on your house. In addition, if your utilities have been turned off because of non-payment, the law requires the electric, gas and water companies to turn them on again.
Delay Seizure of Your Car
Until your creditors meet at the 341 meeting, your car cannot be repossessed. If you can continue making payments during the bankruptcy process, you may be able to keep your car.
Stop Lawsuits
The automatic stay protects you from lawsuits and wage garnishments. Your paycheck cannot be attached and any civil actions against you must stop.
Take Legal Action Against Creditor Harassment
If creditors continue to harass you after filing bankruptcy, notify your lawyer. You may need to take legal action. In addition, if creditors violate the Fair Debt Collection Practices Act by threatening or verbally abusing you before your bankruptcy filing, you may be eligible to seek legal remedies against creditors who are guilty of debt collection harassment.
Get the Advice You Need
Our lawyers can advise you if you are experiencing creditor harassment. Contact our Miami law firm. Call us at 305-262-2728 to learn about your options.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
