Stop Collection Calls — Stop Bill Collectors — Stop Creditor Harassment
Owing money in Texas isn’t a crime, but sometimes bill collectors can treat you like it is. When bill collectors call you every hour of the day, at dinner time, or even at work, it can be very quite upsetting. Bill collectors will relentlessly harass you to get you to pay. As a Texas Bankruptcy Lawyer, having helped thousands eliminate millions of dollars in debt, I have heard of all kinds of bill collection tactics from my clients which range from the illegal to the just plain wrong.
Bankruptcy Stops Bill Collectors and Creditor Calls…
Some bill collectors will try anything to get you to pay. From underhanded methods such as calling a neighbor pretending to be a sick family friend to threatening to file criminal charges if you don’t give them your bank account number; bill collectors will do or say anything to get money out of you, even when they know you don’t have it. Although not all bill collectors resort to lying and misrepresentation, it does happen more often than you think. There may be some friendly bill collectors out there who abide by the law to the letter, they’re of course courteous, understanding of your inability to pay, they aren’t pushy or rude, they call at the right time, and do take no for an answer. This firm hasn’t actually met or spoken with any like that, nor have any or our clients, however they may be out there.
If you have past due bills or have fallen on hard financial times, you should look at your debt relief options. Bankruptcy, debt negotiation, debt settlement, and sometimes the filing of a lawsuit against a creditor who violates the law can stop collectors. If you contact the Texas Bankruptcy Attorneys at The Law Offices of R.J.Atkinson we can help you to determine your debt relief options at a free initial consultation.
Filing for bankruptcy will immediately get bill collectors to stop harassing you. Even if you plan to file for bankruptcy in the near future, once you retain our office, you can refer all collection calls to us. The bill collectors must stop contacting you directly so you won’t be subjected to their scare tactics. If you have ever been the victim of rude harassing phone calls from a bill collector, then you know that their calls can be disturbing, intimidating, and can instill fear. A bill collector’s calls day in and day out can make you afraid to not only answer your phone, but sometimes to fear for the loss of your job when they call at work.
If you do file for bankruptcy, once your bankruptcy case is filed, the bill collectors have to stop any and all communication to with you. By filing bankruptcy, whether it is a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy, the bill collectors have to contact us, not you. In fact, after you file for bankruptcy, it is illegal for a bill collector to continue any collection efforts whatsoever. If they do contact you trying to collect after your case has been filed, it can be a violation of the automatic stay which may have both civil and criminal penalties. The automatic stay is a federal law under 11 U.S.C. § 362 that prohibits all collection activities of creditors and stops most all legal actions against you. Any issues by a creditor must be brought before the bankruptcy court so anyway you put it, filing for bankruptcy stops bill collectors.
Stopping Bill Collectors, Stopping Collection Calls, Stopping Creditor Harassment, and Starting to get back in control of your finances are some of the benefits of filing for bankruptcy. After you file your bankruptcy case, you just refer all collection calls to us. So when a creditor calls you tell them you filed for bankruptcy, give them our number, and then hang up. Bill Collectors get quite upset when you file for bankruptcy because it not only forces them to deal with the Texas Bankruptcy Attorneys at The Law Offices of R.J.Atkinson who know the law, but it puts you in control. Once you file for bankruptcy, bill collectors, credit card companies, or anyone else you may owe money to can't push you around anymore.
Don’t let Collection Calls, Bill Collectors, or Creditor Harassment intimidate you anymore. Whether you live in Houston, Austin, San Antonio, or Dallas, contact the Texas Bankruptcy Lawyers at The Law Offices of R.J.Atkinson for a free bankruptcy evaluation and get back control of your financial life.
Stop Collection Calls, Bill Collectors, and Creditor Harassment Today.