You have the right to inform creditors and debt collectors that you are not allowed to receive their calls at work. If you inform them of us this, per federal and many state laws, they must stop calling you at your workplace. Keep good records of who you spoke to and when you told them not to contact you at your workplace. If they continue to call you at work despite this, let us know. We file lawsuits against abusive debt collectors.
If you have other debts, as well, we may be able to discharge all of your debt in bankruptcy, or if that is not a good option for you, we may be able to settle your debts for significantly less than you owe.
Your creditors do have the right to contact you regarding past due balance. However they do not have the right to be rude to you, threaten, or yell at you. If any of these things have occurred, make good notes of who the collector was, what was said, and the date. In some cases we may be able to file a law suit against the creditor if actual harassment has occurred.
They are also prohibited from discussing your account with anybody other than you.
Depending on the circumstances we may be able to help. Call us.
Debt collectors are prohibited by the Fair Debt Collections Practices Act (FDCPA) from contacting friends, relatives, or co-workers and discussing your account with them. A debt collector does have the right to call someone else one time to try to obtain contact information for you if they do not have a viable way to contact you. But they are not allowed to discuss your account, and they are not allowed to continue to call if the person tells them they do not have contact information for you.
If a debt collector contacts someone other than you and discuss your account or tries to collect money from them, you have certain rights under the FDCPA. Contact us to find out what we may be able to do to stop the calls. In some cases, if there was substantial abuse, or these calls to others caused you to experience extreme embarrassment or some other unwanted situation, we may be able to file a lawsuit against the collector.
Debts incurred after filing will not be discharged in your bankruptcy. Additionally, if you owe money on a secured debt, such as a car loan, but don’t make payments as agreed after the bankruptcy, then that creditor does have a right to contact you. However, sometimes creditors and debt collectors will try to collect on a debt even after it has been legally discharged in a bankruptcy. This collection activity is in violation of the Bankruptcy Code.
Call or write to the creditor and supply them with your filing number and the date that you filed. If they still try to collect, or otherwise threaten or harass you, let us know.
We file law suits against creditors who break the law and continue to try to collect debts that have been legally discharged.
Individuals in this country cannot be arrested merely for not being able to pay their bills; and a debt collector is prohibited from threatening such an action. The Fair Debt Collections Practices Act was written to protect consumers from being harassed or threatened by debt collectors. If a debt collector has threatened you in this manner, or been otherwise threatening, intimidating, or used foul or abusive language, to you or family members, keep good records of the calls noting the name of the collection agency and the individual collector, the date and time of the call, and what was said. Good records can lead to great lawsuits against the debt collector.
Depending on the circumstances we may be able to help. Read this then call us.
It can be a very upsetting experience to be served with a lawsuit. Creditors do have a right to sue on a valid debt, but bankruptcy stops the process. Even if you have a judgment against you, or are currently being garnished, bankruptcy can end that nightmare. If the debt isn’t yours, or was already paid or settled, or if you have been harassed by a third party debt collector, let us know. You may have options other than bankruptcy.