How To Stop Creditor Harassment
Ventura & Oxnard Bankruptcy Attorneys Helping You Stop Creditor & Debt Harassment
For many people, the worst part of being in debt is the constant harassment by bill collectors and creditors. They will often resort to phone calls, threatening letters, and even contacting coworkers or relatives to obtain information. The debt relief attorneys at the Law Offices of Michael H. Raichelson are committed to ending creditor harassment for the people of Ventura County and Oxnard. You have rights and legal protections that can be enforced when creditors overstep their bounds and our attorneys will ensure that you are no longer subject to illegal intimidation.
Creditor Harassment Stops the Moment You File For Bankruptcy
The Law Offices of Michael H. Raichelson are committed to helping individuals in California get immediate relief through the protections afforded under bankruptcy law. A major benefit of filing for Chapter 13 or Chapter 7 bankruptcy is the automatic stay of collection efforts. When you file for bankruptcy, collection agencies and creditors are prevented from pursuing further action. This includes phone calls, letters, wage garnishments, repossessions and lawsuits. Even if one of these actions has already begun prior to the bankruptcy filing, it must stop. A Ventura County bankruptcy attorney can help you protect your rights and relieve the stress of creditor harassment.
Filing for personal bankruptcy puts a debtor under the protection of the Bankruptcy Court, which determines the amount of debt that gets paid and in what order. The Court also designates a bankruptcy trustee; the debtor only has to deal with the trustee and the Court itself, and a creditor that attempts to pursue collection after being informed of the bankruptcy may be liable for damages under the Fair Debt Collection Practices Act (FDCPA). While there are many long-term benefits to filing for personal bankruptcy, if you have significant medical debt or delinquent credit card payments, the automatic stay is an instant relief for consumers who are overwhelmed by bill collectors and their constant harassment.
The Fair Debt Collections Practices Act Protects Consumers
Even before filing for personal bankruptcy, many consumers are unaware of the legal protections they have to stop creditor harassment. Creditors have limits to the conduct they can engage in, which are outlined in the Fair Collection Practices Act (FDCPA). The FDCPA prohibits abusive, unfair or deceptive practices, which can include:
- Using profane language or verbal threats
- Making false representations about the amount of money you owe or the consequences for delinquent or non-payment
- Calling before 8 AM or after 9 PM without consent
- Contacting you if you are represented by an attorney
- Phone calls intended solely to harass, disturb or annoy
There are many more examples of behavior that is illegal under the FDCPA, and consulting with an experienced Venutra creditor harassment attorney can reveal the full extent of your rights. If a bill collector violates the FDCPA, they can be sued for money damages, which can include attorney’s fees and court costs.
Put an End to Creditor Harassment by Contacting a Ventura County Attorney
Creditors can be ruthless when it comes to collecting on bills and delinquent payments and many use intimidating and even illegal tactics to receive money. The Law Offices of Michael H. Raichelson are committed to protecting your rights by using federal laws meant to protect you from creditor harassment. If you are behind on your bills and are concerned about creditor behavior, contact our office at [ln::phone] for a free initial consultation. Spanish speaking services are available for your convenience.