If you receive nonstop pestering phone calls, letters and collections notices from creditors, then it is vital that you understand your rights. When it comes to collecting outstanding debt, creditors will stop at nothing to get their hands on it and their methods do not always comply with the law. If you are experiencing severe financial hardship and you are considering filing for bankruptcy, creditors should not be constantly harassing you. In fact, the second you file for bankruptcy creditors will no longer be permitted to contact you or pursue any collection actions against you.
Once you file for bankruptcy, you are then protected under bankruptcy law under section § 362. This section of law is referred to as the automatic stay- it means that you are protected from any further creditor harassment. Under this injunction, creditors cannot try to obtain or possess any of your property, commence any criminal or civil actions against you, or try to collect or recover a claim arose before they filed for bankruptcy. This means that you can have your privacy and your life back under the protection of the automatic stay. If creditors violate this injunction and do not comply with the terms and conditions, then they could face legal punishment from the court.
If you are on the verge of bankruptcy and creditors are coming after you for outstanding debt, you should be informed of your legal rights as a debtor and take action to preserve them. If you are confused about what actions constitute creditor harassment, our Charlotte bankruptcy lawyer can inform you of the different illegal activities that creditors utilize in financial recovery. The most common forms of creditor abuse include:
Creditor laws may vary from state to state, but no matter where you live, creditor harassment is not acceptable behavior in the eyes of the law. If you believe that you are being harassed by your creditors, take legal action today and consult with a Charlotte bankruptcy attorney from our firm.
Here at the Law Office of Jack G. Lezman, P.A., we are dedicated to protecting the rights of our clients. We believe that you do not deserve to be harassed and we can help enforce the constraints that creditors must abide by. Any threats or harassment from creditors is not considered legal and they should be held responsible for their actions. The legal team at our firm has helped countless debtors to put an end to creditor harassment and we could do the same for you.
With over 20 years of experience, our attorney has extensive knowledge regarding bankruptcy law and he will work tirelessly to help you achieve your objectives. Our firm handles a wide variety of bankruptcy cases including Chapter 7, Chapter 13, foreclosure defense and debt consolidation. If you are struggling with debt, we can offer you the personalized attention that you need and deserve. We understand the difficulties that you and your family must be going through and can walk you step by step through the bankruptcy process or inform you of bankruptcy alternatives that are available. Let us sit down with you so we can learn your objectives and help you find the best solution to your problem.