Put an end to Harassing Phone Calls!
The only thing Collection Agencies want from you is your money. It is the one and only thing that will keep them from harassing you...that is, the only thing besides hiring an Attorney. When you retain our office, we can tell you what those Collectors are allowed to legally do to you. We can help handle those scary phone calls and let you know how to handle a harrassing creditor on your own, too.
Once you've filed a case with our office, those phone calls stop completely! It is illegal for them to contact you any further after filing. They cannot continue collection efforts, and if they want any information, they have to contact us. What that means for you is an end to those nasty collection calls, no more harassing you at work, and the relief of knowing that when you pick up your phone or read your mail, you will not be insulted by those bill collectors.
Collection agencies hate this. They know that we know the laws and that they cannot bully us the same way that they try to threaten our clients. They lose all control, and suddenly you get to be in the driver seat.
Perhaps they are not all nasty and threatening, but please be aware that they only have one goal in mind. They want your money. They do not have your best interest in mind, and that is why we are there to help.
You deserve the help that filing bankruptcy can accomplish. Federal Laws are there and are designed to help you achieve a new beginning. Let us help you get those bill collectors off of your back.
Sometimes the phone calls from Debt Collectors can be more than just annoying. They can be frightening, unsettling, and intimidating. You may even wonder whether or not they really can do what they are threatening to do to you. Are they really allowed to just come and take your possessions? Can they really harass you at your job? Is this something that you just have to deal with? Why aren't they giving you credit for the payments that you've already made all these years?
The most demeaning part is when they call you names. Who actually likes being referred to as a loser and a deadbeat? You definitely do not deserve to be treated like this. You are a hard working individual that is honest and has always paid your bills before. They should not insult you like this.
It is our experience that a bill collector will say whatever they can to get you to make a payment. The more uncomfortable you seem, the happier they get. They know that you actually would like to make those payments, and that you feel horrible when you don't. They want to manipulate your guilt. If you are uncomfortable, it is more likely that they will get a payment out of you. It always goes back to their number one concern...money. Nice collectors that sympathize with people do not stay collectors for long. The ones that end up sticking around are the ones that don't concern themselves with what you think and don't care about you.
It really gets embarrassing when they start to call you at your job. And...as if that wasn't enough humiliation, you could possibly lose your job if they don't leave you alone at work. What can you do?
Do you want the harassing phone calls to stop? The solution may be filing for bankruptcy. What are your options? If you choose not to file for bankruptcy, there really isn't any protection for you against the threats and insults. The collectors just keep calling, sometimes even violating rules about when or where they are allowed to call. How can they do that? Sometimes laws are harder to enforce while the consequences don't necessarily outweigh the benefits of violating them. Do you even know who is calling you or where they are? Sometimes collectors will even use phony names and call from locations that aren't even in your state. It's harder to pin down who to actually sue when you don't even know exactly who is was that called you in the first place.
A Bankruptcy filing can change that for you. Bill collectors have to follow the Federal Bankruptcy laws. They don't have a choice in the matter. The calls stop. Within weeks or even days, they are informed of your filing and are no longer allowed to contact you. How is this possible? None of the bill collectors want to face a Contempt of Court charge in front of a Federal Judge for violating Bankruptcy laws.
If the phone calls to your work or home just will not stop, you are having trouble paying your bills, and you are over-stressed and fed up, please remember that you can make it stop. You can either ignore it all and continue to live that way, or maybe you might want to consider filing for bankruptcy and make the phone calls stop once and for all.
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