Stop Creditor or Debt Collector Harassment
Stop Creditor or Debt Collector Harassment
The Fair Debt Collections Practices Act (FDCPA) prohibits debt collection agencies from engaging in threatening, abusive, or harassing behavior in an attempt to collect on a debt. So collection agencies cannot legally call you repeatedly at work or home, send you threatening letters, or use abusive language with you on the phone. The Rosenthal Law Group in St. Petersburg, FL can provide the information, advice and expert legal representation you need to file for chapter 7 bankruptcy or chapter 13 bankruptcy and stop the creditor harassment. Contact one of our A bankruptcy attorneys today and begin rebuilding your credit.
Unfortunately, the FDCPA only applies to third party agencies that are contracted by your creditors. The FDCPA does not apply to collection departments of credit card companies, banks, car dealerships, hospitals, retailers, or other businesses that are “in-house”. And while in-house collection departments are prohibited from making threats or pose as police officers in order to collect unpaid debt, they can repeatedly call you, send letters, and will report your delinquent payments to the credit bureaus such as Equifax, Experian, and TransUnion, which will damage your credit score. But simply filing for bankruptcy immediately stops that.
Once you file for bankruptcy, your creditors and their debt collectors are prohibited from contact you by phone, mail or e-mail. They are required to stop ALL collections activities, including any foreclosure proceedings, wage garnishments or repossessions; providing you with some immediate relief.
If you simply cannot make the minimum monthly payments on your credit cards, are behind on your mortgage payments, or are at risk of having your car repossessed, filing for bankruptcy may be the only way to stop the harassment. Filing for bankruptcy initiates an automatic stay requiring collection agencies and creditors to cease all collection and foreclosure actions against you immediately.
Once you file for bankruptcy, creditors are no longer allowed to contact you but must go through your Attorney. Our firm then handles any and all inquiries related to your creditors and their collection agencies. Should one of your creditors or collection agencies continue to attempt to contact you , sanctions for the violation of the automatic stay may be filed for; this may include seeking financial damages for you under the terms of the FDCPA.