Stop Creditor Harassment Today
How Filing for Bankruptcy Can Stop Creditor Abuse in Royal Oak & Southeastern Michigan
If you are in debt and doing all you can to make ends meet and pay your bills, having creditors harassing you only makes the situation worse. Although creditors are required to follow strict laws and regulations that limit the actions they can and cannot take, they do not always abide by these rules. Many creditors illegally harass individuals like yourself, calling too often, sending notices to employers or family members, and generally making your life more stressful. At Gudeman & Associates, P.C., our creditor harassment lawyers in Royal Oak and Southeastern Michigan are committed to protecting you from abuse. We can determine if your rights were violated and if so, will help you fight back.
Are you dealing with constant calls from creditors? Contact our firm today at (248) 826-2441 to set up your initial consultation.
Understanding the Fair Debt Collections Protection Act
Many people who owe money to creditors believe that the creditors are allowed to do whatever they want to collect money. While they are allowed to make attempts to reach you and to collect, they are not given free rein to do as they please. Under the Fair Debt Collections Protection Act (FDCPA), you have certain protections as a consumer. If creditors are not following the law, you can take action against them.
A few examples of actions creditors are barred by the FDCPA from taking include:
- Contacting you at work when you have asked them to stop
- Calling you excessively on any given day
- Calling you before 8:00 AM and after 9:00 PM
- Deceptive communication or threats
- Threatening to take legal action or arrest
- Using profane or abusive language
If a creditor violates any of these regulations or others outlined by the FDCPA, a skilled bankruptcy attorney can help you fight for your rights.
Putting an End to Harassing Calls & Letters
In the end, creditors only care about how much you owe them and collecting on those debts. They do not care about your best interests and they often do not care about the laws either. One way of stopping creditors is to pay them what you owe them. However, this is not always possible. If you would like to put an end to creditor harassment, you may want to consider filing for bankruptcy. Our experienced team can help you find a solution that works for your unique situation. We offer open communication and accessibility as we work to defend you against relentless creditors.
Contact ourcreditor harassment defense lawyers in Royal Oak and Southeastern Michigan at (248) 826-2441 to set up a no-obligation consultation today.