Protect Your Rights From Creditors
Stop Creditor Harassment Through Bankruptcy in Central New York
Creditor harassment is not only embarrassing, it can also cause you undue amounts of emotional stress. You may start avoiding phone calls and begin to dread checking the mailbox, fearing that another call or letter will make the situation worse. Often, these creditor tactics are aggressive and, sometimes, they are downright illegal.
At Orville & McDonald Law, we can protect you against creditors and help you stop their collection efforts altogether by filing for either Chapter 7 or Chapter 13 bankruptcy. After filing for bankruptcy in New York, all creditors must stop contacting you immediately. This includes all attempts to collect on the debt or to repossess property.
If a creditor continues to contact you after you file for bankruptcy, that creditor may have to pay monetary damages to you. An experienced attorney can protect your rights, stop creditor harassment and go after creditors when they are acting in violation of the law.
Know Your (Debtor's) Rights Against Creditor Harassment
It is illegal for creditors to use harassing tactics in phone calls or in letters when attempting to collect on a debt. These tactics include:
- Using obscene or profane language
- Calling you repeatedly
- Contacting you before 8 a.m. or after 9 p.m. without authorization
- Contacting you at work without authorization
- Contacting you if the creditor knows that you have an attorney
- Contacting relatives, neighbors or other third parties to find out information other than your address, phone number or employer
- Asking a third party more than once for information on how to contact you
- Contacting you if you have notified the creditor that you do not believe you owe the money in question
These tactics are illegal regardless of whether or not you have filed for bankruptcy. Filing for bankruptcy will stop all contact, wage garnishment or debt collection from your creditors, even if they are not using illegal tactics. A bankruptcy lawyer at our firm Link to Attorney Profile can help protect your rights against illegal creditor tactics.
Contact us today for a free initial consultation, where we can discuss your situation. We will be honest with you about the best options to protect your financial future. Whether you choose to file for bankruptcy or not, you still deserve to be treated with respect and dignity.
Call us at (607) 770-1007 for consumer bankruptcy protection and debt relief. We help clients throughout Binghamton, Endicott, Endwell, Vestal, Johnson City and the surrounding area protect themselves from creditor harassment when filing for bankruptcy.