Consumers who are struggling with debt know all too well the harassment that comes as a result of missing even one payment or making a payment a few days late.
You’re getting letters, emails and maybe even automatic, robotic calls on your cell phone from companies frantic to make sure you are still going to pay them the money owed. Sometimes the harassment gets ticked up a notch and credit card companies and the collection agencies they hire start making legal threats and attempt to take away vehicles or other pieces of property.
This type of behavior is regulated by the Fair Debt Collection Act, which outlaws certain behavior and bans creditors from certain tactics.
- The use of threat or violence
- Using obscene, profane or abusive language
- Publication of a list of debtors
- Repeatedly dialing a number to annoy or harass a debtor
These are just some of the things that creditors can’t do, but it still doesn’t stop them from harassing debtors. Some people report that they get a dozen or more calls a day, at all hours of the night, from collection agencies. That’s one every two hours or less, which can be extremely disruptive.
So, What Can I Do To Stop Harassment?
Call Colorado Springs bankruptcy attorney Stephen H. Swift today.
The obvious benefit that bankruptcy has – which most people know about – is that it forgives debts. When you are struggling to make payments or have gotten behind on everyday bills, bankruptcy helps by getting rid of the debt that has created the problem.
But a major secondary benefit is that it makes creditors and lenders stop harassing you. Once a person files for bankruptcy in Colorado, the harassment must stop. Whether filing Chapter 7 bankruptcy or Chapter 13 bankruptcy, the law states that creditors must stop directly contacting the consumer.
Immediately and without delay. The resulting silence is golden.
That’s because they are now directed to take up their issues with the court. The clerk of the bankruptcy court will mail a notice to all listed creditors that the debtor has filed for bankruptcy. All creditors must be listed in the bankruptcy petition so they are properly notified.
For those who have filed for bankruptcy, one of the first things they notice is that the harassing calls, emails and letters cease almost immediately.
At a time when so much is turbulent and stressful, not having to deal with getting calls from these lenders at all hours of the day is a more than welcome development. Not having to guess whether the number that comes up on caller ID is a legitimate number or one from an automated creditor phone number is also a good thing.
What Should I Do To Stop the Debt Collection Calls in Colorado Springs?
In order to get the banks, lenders and creditors to stop calling, a consumer should reach out to an experienced Colorado Springs bankruptcy lawyer. The Law Offices of Stephen H. Swift is here to aid consumers in the bankruptcy process.
Serving clients in in Colorado Springs, Pueblo, Denver and the surrounding area.
Colorado Springs bankruptcy – 866-893-2440 or 719-520-0164 – legal consultation
