Filing for bankruptcy is about far more than stopping creditor harassment, but it's one clear way to stop it.
Let's go over how you can stop the morning to night phone calls immediately.
Why Creditors? Creditors are obviously harassing you because of unpaid bills.
While this is technically because of money you owe, it does not mean you have no rights.
If creditor harassment is going to a level beyond just phone calls, if creditors are harassing you and your family night and day, if the calls are becoming threats, you can stop them.
Bankruptcy is one of many solutions.
There are laws for creditor harassment.
-You cannot be called at your office.
-You cannot be called before 8 a.
m.
or after 9 p.
m.
-They cannot threaten you.
-They cannot call your friends and family about your debt.
-They cannot lie to you about your debts, or make other false statements.
-Creditors cannot add charges to your debt without authorization.
How Does Bankruptcy Help? While filing bankruptcy isn't your only solution, it's one of the best.
This is because creditors will have no more reason to harass you.
Why would they if the debts are gone? In Chapter 7, you would be discharging most of your debts and creditors have little power over you.
In Chapter 13, you are paying back some or all of the debt to the courts and once again creditors have no reason to harass you.
If they continue to call, kindly inform them you've filed bankruptcy.
If they still call, refer them to your lawyer.
How a Lawyer Helps One benefit of hiring a bankruptcy lawyer is that he or she can handle any creditors you have.
Also, if you feel the harassment is illegal - as in the above laws - you can ask your lawyer for help.
An experienced lawyer can stop any and all harassment against you.
Why Bankruptcy Isn't Always Best Bankruptcy is one of many solutions, and not always the best.
You have to remember a bankruptcy means you're either discharging all your debts or paying them off.
And it will be on your credit report for 10 years.
If creditor harassment is because of minor debts you cannot afford yet, you may want to hire a lawyer to help simply stop the harassment.
In some cases, you can also handle it yourself.
If you write a letter to the creditor who's been calling you, asking them to stop the harassment, by law they have to.
If you run into problems, it's your right to take them to court.
Benefits of Bankruptcy and Stopping Harassment Bankruptcy is a big decision.
It can be a life changing event financially.
There are cases where you lost a job, have a home in danger of foreclosure, accumulated medical debt, or have a lot of credit card debt, when filing is wise.
If creditor harassment is your only problem, but you're unsure of where to begin in stopping it, you can consult with an experienced lawyer.
In both cases, stopping creditor harassment indefinitely is very possible and protected by the law.
Let's go over how you can stop the morning to night phone calls immediately.
Why Creditors? Creditors are obviously harassing you because of unpaid bills.
While this is technically because of money you owe, it does not mean you have no rights.
If creditor harassment is going to a level beyond just phone calls, if creditors are harassing you and your family night and day, if the calls are becoming threats, you can stop them.
Bankruptcy is one of many solutions.
There are laws for creditor harassment.
-You cannot be called at your office.
-You cannot be called before 8 a.
m.
or after 9 p.
m.
-They cannot threaten you.
-They cannot call your friends and family about your debt.
-They cannot lie to you about your debts, or make other false statements.
-Creditors cannot add charges to your debt without authorization.
How Does Bankruptcy Help? While filing bankruptcy isn't your only solution, it's one of the best.
This is because creditors will have no more reason to harass you.
Why would they if the debts are gone? In Chapter 7, you would be discharging most of your debts and creditors have little power over you.
In Chapter 13, you are paying back some or all of the debt to the courts and once again creditors have no reason to harass you.
If they continue to call, kindly inform them you've filed bankruptcy.
If they still call, refer them to your lawyer.
How a Lawyer Helps One benefit of hiring a bankruptcy lawyer is that he or she can handle any creditors you have.
Also, if you feel the harassment is illegal - as in the above laws - you can ask your lawyer for help.
An experienced lawyer can stop any and all harassment against you.
Why Bankruptcy Isn't Always Best Bankruptcy is one of many solutions, and not always the best.
You have to remember a bankruptcy means you're either discharging all your debts or paying them off.
And it will be on your credit report for 10 years.
If creditor harassment is because of minor debts you cannot afford yet, you may want to hire a lawyer to help simply stop the harassment.
In some cases, you can also handle it yourself.
If you write a letter to the creditor who's been calling you, asking them to stop the harassment, by law they have to.
If you run into problems, it's your right to take them to court.
Benefits of Bankruptcy and Stopping Harassment Bankruptcy is a big decision.
It can be a life changing event financially.
There are cases where you lost a job, have a home in danger of foreclosure, accumulated medical debt, or have a lot of credit card debt, when filing is wise.
If creditor harassment is your only problem, but you're unsure of where to begin in stopping it, you can consult with an experienced lawyer.
In both cases, stopping creditor harassment indefinitely is very possible and protected by the law.
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