If you are currently struggling with credit card debt, mortgage payments, medical expenses, student loans and other bills, you are certainly not alone. Approximately two million people suffer from overwhelming medical bills alone in the United States. As a result of this debt, many people are constant victims of creditor harassment. Whether you receive annoying phone calls throughout the day, in the evenings and throughout the weekend or you are getting threats from credit collectors, you may be scared to answer your phone. Fortunately, there are ways to stop this creditor harassment and reclaim your privacy.
Filing for bankruptcy is one way to stop creditors from calling. Once you submit your bankruptcy paperwork, an automatic stay is put in place. During an automatic stay, all of the creditors listed on your paperwork are notified and are no longer able to do the following:
Initiate and/or continue to pursue lawsuits
Make calls at all hours of the day and night
Contact by mail
Make threats, such as sending you to jail, taking your children or calling the police
According to the Fair Debt Collection Practices Act, you are also protected from collection agencies using profane language or saying that they will inflate the original debt amount.
If a credit agency continues to call you after your bankruptcy is filed, you may call and report the agency. It is important to remember that you have rights regarding your bankruptcy.
This information is intended to educate and should not be taken as legal advice.