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Stop Creditor Harassment

Filing for Bankruptcy Will Stop Creditor Harassment Immediately!

The Fair Debt Collection Practices Act (FDCPA) restricts the actions that creditors and debt collectors can take in order to collect on debt. That does not mean every debt collector follows those practices. We often hear from our clients that they are afraid to pick up the phone because of harassing phone calls or have been embarrassed by creditors calling an employer or a neighbor.

Perhaps you have experienced this: a bill arrives in the mail from an unfamiliar company telling you that you owe money but not explaining what it is for. This could mean that your debt was sold to another debt collection company and they are trying to collect on an old debt without having information about payments you already made.

Some companies — like hospitals — do not attempt to collect on their own debts. They send their collections directly to a debt collector, which can be tremendously confusing for patients who want to pay but don’t know who or why this new company is billing them for something they thought they already paid through their insurer.

Don't let yourself be intimidated by bill collectors any more. You have rights under the FDCPA and, if you declare bankruptcy, you have rights under the U.S. bankruptcy law. Talk with an experienced Denver bankruptcy attorney at the law office of Greenwald & Hammond. Contact us online or call 303.731.4234.

Bankruptcy Can Stop Creditor Harassment

Both Chapter 7 and Chapter 13 personal bankruptcy can put an end to the worst creditor harassment practices, such as:

  • Harassing you by phone or e-mail at all hours of the day
  • Threatening to take your personal property
  • Calling your neighbors or employer to discuss your debt
  • Using obscenity and threatening language
  • Suggesting that nonpayment will result in arrest or imprisonment

When our bankruptcy lawyer reviews your financial information in preparation for filing bankruptcy with the court, we will determine if the debt collection agency has engaged in any illegal debt collection practice or false representation, such as:

  • Collecting interest, fees or expenses that have not been specifically granted in your contract with the creditor
  • Misrepresenting the amount of debt you owe or the legal status of that debt
  • Threatening to seize your assets or garnish your wages unless such an action is lawful and they actually intend to follow through

Filing for personal bankruptcy stops these and other illegal debt collection practices.

Contact Us Today

When you hire the bankruptcy law firm of Greenwald & Hammond, we step in immediately to stop harassing phone calls and deceptive letters. We deal with debt collectors. Creditor harassment will stop. Contact our Denver office to schedule a free initial consultation. We serve clients in the Denver metro area, in Aurora and beyond.

We are a debt relief agency. We help people file for bankruptcy protection under the Bankruptcy Code.

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