You've gotten into debt and you simply cannot pay it off because of an emergency that came up, losing a job, or other financial hardships. You know this and your creditors know this. And your creditors have no problem reminding you. And reminding you. And reminding you. You can't take it anymore. The constant phone calls, letters in the mail, and maybe even visits in person have come to be too much. While creditors may be within their rights when excessively contacting you, there comes a point when they may have crossed the line. This is called creditor harassment.
Have you fallen victim to a creditor's harassment? Contact a Bankruptcy Chapter 13 Attorney today!
Creditor harassment can present itself in a number of different forms such as:
- Home visits
- Threats of violence
- Excessive phone calls
- Calling at unreasonable hours
- Providing false information or promises
- Threats to embarrass the individual in debt
A creditor may be harassing you due to credit card debt, auto loans, or medical bills that haven't been paid at all for a certain amount of time. If you decide to file for bankruptcy, creditors must stop contacting you regarding your debt until your case has been discharged or decided upon. Some creditors may not realize your current situation, so if you explain to them that you filed for bankruptcy, most will stop calling. However, some will keep on persisting you, and this type of harassment is wrong. In fact, many individuals have been harassed to the point where they feel trapped and forced to file for chapter 13 bankruptcy so that these people will just leave them alone already. Nobody should feel forced or scared because of something a creditor says or does. If this sounds like a situation you've been in the middle of, a chapter 13 attorney can help.
Keep in mind that creditors are paid to collect debts from people. When they get someone to pay, they get paid as well. While many are persistent, they still remain professional and attempt to collect debts the proper way. However, many do not follow proper protocals and they
may go to extreme measures to try to scare someone into paying off their debt. Other times, they may take a different approach and provide false promises to someone that is in debt. The person in debt may wind up using every penny they have to satisfy that one debt because a creditor promised them a solution to their problems; a solution that doesn't exist. If you are a victim of harassment and have fallen into a trap because of a debt collector's deception, contact our chapter 13 bankruptcy attorneys today.
Have you fallen victim to a creditor's harassment? Contact a Bankruptcy Chapter 13 Attorney today!
See Also:
Debt Collector Right
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