Stop Creditor Harassment and Collection Calls

Once we’re hired to file your bankruptcy, we’ll do more than just that. Our job includes dealing directly with the nasty and rude collection agencies. Just pass them off to us and we’ll handle them. That will give you some much-needed breathing room while we’re working together to finish your case. We want to get you a fresh start, but we also want to get you some peace of mind. Call today to get started.

Call (214) 740-1160 or email me for a FREE consultation at any of my three Metroplex bankruptcy offices.

Collection Calls

Harassment from creditors is a serious stress for people struggling with debt. This harassment is especially destructive when it starts to interfere with your work and your family. This does not have to happen to you. A skilled bankruptcy lawyer can help you take the steps necessary to end creditor harassment.

I sit down with people and inform them of their options for ending creditor harassment. If you are tired of receiving calls from creditors, I can help you determine if filing for Chapter 7 or Chapter 13 bankruptcy is your best option.

Stop running from creditors. Contact me at my Dallas, Texas bankruptcy attorney office today for a free consultation to learn how you can put an end to creditor harassment.

Bankruptcy Can Put an End to Creditor Harassment

One of the benefits of filing for Dallas bankruptcy is that creditors must stop contacting you about your debts once they are notified of your bankruptcy. Generally, the harassment will stop within 10 to 15 days after you have filed for bankruptcy. I can send notice directly to your creditors to speed up the process.

If the harassment continues to persist after you file for bankruptcy, I can help you pursue legal action against your creditors. If they are using illegal practices such as posting your Social Security number and making threats, I can help you file a claim seeking an injunction and monetary damages.

Nobody deserves to have their lives disrupted by creditor harassment. If creditors are coming after you, you need my help. I can help you achieve a fresh start through bankruptcy and lift the weight of debt off your shoulders.

Call (214) 740-1160 or email me for a FREE consultation at any of my three Metroplex bankruptcy offices.

Fighting Back Against Harassing Calls from Debt Collectors

If you have ever been behind on your bills, you have no doubt experienced the collection call.  If you have ever been really far behind in your bills, these calls are a regular part of daily life…sometimes too regular.

In addition to their frequency, collection calls have quite an unsavory reputation for content.  In many ways, this reputation is well deserved.  In these difficult times collection agencies are being particularly aggressive in pursuing debtors.  After all, they are usually paid according to what payments they bring in.

How would you like to turn the tables on those abusive debt collectors, and make them pay you instead of you paying them?  Debt collectors are strictly regulated in how, when and with what they can contact debtors.  Unfortunately, violations of those regulations are rarely pursued because many debtors do not know their rights.  But, finish reading this post and you will learn a little about the FDCPA.

A debtor who knows his or her rights can go a long way in getting collection agencies to back off, and if needed, obtain a money judgment against the collection agency.  Here are some of the basics from the Fair Debt Collection Practices Act (”FDCPA”):

    1. No Harassment or Abuse: * NO abusive, obscene, or profane language
    * NO abusive phone use (conversations or ringing)
    * Collector MUST disclose their identity

    2. No False Statements:

    * as to the character, amount or legal status of the debt
    * that the collector is an attorney
    * that the collector is a government representative
    * that the collector is affiliated with a Credit Bureau
    * that the debtor has committed a crime

    3. No Unfair Practices:

    * NO interest, late fees or collection charges unless authorized by original debt or allowed by law
    * NO acceptance, solicitation or depositing of post-dated checks to create prosecution
    * NO nonjudicial dispossession of property unless legal
    * NO collection language or symbols on envelopes
    * NO collect calls, telegram charges or postcards

The bottom line: a collection caller cannot say anything he or she could not say in front of a judge.  If collection agencies have crossed the line, the Fair Debt Collection Practices Act provides for compensation to the targeted debtor.

Here is an easy to read version of the law.  If you feel that you have been the target of illegal harassment by collection agencies, contact my Dallas bankruptcy attorney office for a free consultation to determine what remedies are available to you.

Call (214) 740-1160 or email me for a FREE consultation at any of my three Metroplex bankruptcy offices.

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Need a Dallas bankruptcy attorney for bankruptcy information online and Dallas cheap bankruptcy attorney service? Let us help you stop harassing Dallas TX debt collection calls, avoid Dallas Texas repossession and stop Dallas Texas foreclosure. We want to help eliminate your Dallas Texas credit card debt. Find information regarding Dallas TX credit counseling, stopping Dallas TX garnishments and back taxes in Dallas TX. Talk to us today about all your bankruptcy attorney needs in these major cities: Addison, Allen, Arlington, Carrollton, Cedar Hill, Coppell, Corinth, Denton, Desoto, Duncanville, Ennis, Farmers Branch, Flower Mound, Forney, Fort Worth, Frisco, Garland, Glenn Heights, Grand Prairie, Grapevine, Irving, Keller, Lewisville, Little Elm, Mansfield, McKinney, Melissa, Mesquite, Midlothian, Plano, Richardson, Rockwall, Rowlett, Sachse, Seagoville, Southlake, The Colony, Waxahachie, and Wylie, TX.