Can Bankruptcy Stop Creditor Harassment?

End Creditor Harassment With Bankruptcy

BankruptcyTrack are here to protect you from creditor harassment. As soon as you retain our Detroit, Michigan bankruptcy lawyers to represent you,  you can rest assured that no more creditors will be legally able to contact you.  After you have filed for Chapter 7 bankruptcy or Chapter 13 bankruptcy  in Detroit, Michigan,  your creditors will receive 341 notice of bankruptcy filing.  After this notice is received, an automatic stay is put into effect. This means that your creditors are prohibited  from taking any action that is an attempt to collect debt during the time that the stay is in place. They cannot contact you directly and instead can contact our law firm if they have any questions. Debt collectors are prohibited by law to take any actions during the automatic stay include:

• Calling your home or workplace
• Sending threatening letters
• Continuing to mail bills
• Foreclosing on or repossessing a property
• Wage garnishment

Collection Abuses

BankruptcyTrack can Protect and assist you in stopping Illegal creditor harassment and collection abuses activities! If you have debt or credit card problems, are being harassed by collection agencies, or are being held down by a bad credit rating, we may be able to help. Call us at 248-281-6299 for a free consultation!

Debt collectors may not harass or abuse you by:

• Making repeated and continuous phone calls
• Calling you at work after you asked them to stop.
• Making annoying, harassing, and abusive phone calls
• Telling family, friends, neighbors, or co-workers about your debt or that they are trying to collect a debt
• Disclosing to anyone that you owe a debt.
• Attempting to contact you once you’ve retained an attorney.
• Not disclosing to you that they are a debt collector during every communication
• Contacting anyone except you, your attorney, or a credit bureau (with very limited exceptions)
• Threatening to have you arrested if you do not pay your debts
• Threatening any action they do not intend to take, such as lawsuit or wage garnishment
• Using profane or abusive language
• Using threats of violence or harm of person, property, or reputation

Debt collectors may NOT contact you:

• After they know you are presented by an attorney
• At any unusual time (before 8am or after 9pm) or place

Contact us today for a free consultation by calling (248) 281-6299, where we can discuss your financial 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. We are located at 24300 Southfield Road, Suite 210, Southfield, MI. 48075.