Stop Debt Collector Harassment in New Jersey

Monmouth County Debt Harassment Lawyer

Creditor lawsuits can be very stressfulWhen you are dealing with more debt than you can pay, calls and letters from creditors can be incredibly stressful. Creditors have been known to use aggressive tactics and sometimes outright threats to try to obtain payment. However, no matter how much you owe or how behind you are in your payments, there are creditor harassment laws to protect you from unfair treatment. You may owe them money, but that does not give them the right to lie, bully or intimidate you.

If you are dealing with pushy creditors, a debt harassment lawyer from Garland & Mason, L.L.C. can help you put an end to the upsetting phone calls. Then, we can work with you on a long-term solution to your debt problems. Often, filing bankruptcy or pursuing other alternatives to bankruptcy can help you get out of debt for good. This will permanently end all collection actions against you.

What Can I Do to Stop Debt Collector Harassment?

The Fair Debt Collection Practices Act in 1978 made creditor harassment illegal. However, creditors know that many people have never heard of this federal law. Thus, they will often try to get away with bullying people into payment. They also know that people who are behind on their debt are often ashamed to seek help to end these illegal tactics. If relentless creditors are hounding you, relief might be easier than you think.

By law, once your creditors are informed that you are represented by a bankruptcy attorney, they cannot call or write to you anymore. Instead, all of their calls must come to our office, and we will speak to them on your behalf. In addition, once your creditors know that you have a lawyer on your side, they will be more likely to agree to work with you to find a solution to your debt. An attorney from our law firm can then represent you if you decide to file for bankruptcy in New Jersey. Otherwise, we can explain your alternatives to bankruptcy, such as debt negotiation or loan modification.

How Can Bankruptcy Help Me End Debt Collection Calls?

Ending creditor calls and letters is the first step toward a more secure financial future. Once you stop the harassment, a New Jersey bankruptcy lawyer can put together a plan to deal with your debt. One of the benefits of bankruptcy is that you can end your debt trouble while keeping creditors at bay for an extended period of time.

When you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, the courts will issue an automatic stay to your creditors. This automatic stay forbids any collection activity for the entire bankruptcy process. It will also stop foreclosure proceedings on your house, and will keep your utility companies from cutting off service if you are behind on your bills. Then, you will be able to pay off a portion of what you owe either by liquidating your non-exempt assets in Chapter 7 or following a Chapter 13 payment plan. At the end of the bankruptcy proceedings, your remaining unsecured debt will be eligible for discharge. This means that your creditors cannot come after you for payment of those debts. Then, you will have a fresh start financially.

Contact a New Jersey Debt Harassment Lawyer to Stop Creditor Calls

If you need to stop creditor harassment, call a Monmouth County debt harassment lawyer from Garland & Mason, L.L.C. today. We can review your financial situation and give you advice about the best way to end bullying creditor calls quickly. If you decide that bankruptcy is right for you, we can help you file the necessary paperwork and will stand by your side through the bankruptcy process. Contact us online or give our office a call today to schedule a free consultation with one of our attorneys.