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Category Archives: Get Out of Debt

Top Tips for Managing Debt

Being in debt can feel like a huge burden. We are not talking about having a mortgage or a car payment – those are debts most people have. We are talking about overwhelming credit card debt or massive medical bills. If you’ve experienced a job loss, illness, divorce, or other life-changing event, you know how quickly debt can add up. You may feel like it’s spiraled out of control.

The following are some top tips for managing debt. Consider these best practices to follow. Start here, and as you move forward and get a grasp on your debt, we encourage you to learn all you can about personal financial management.

Budget. You have to do it.

Budgeting money does not come naturally to everyone. That’s okay. You can learn to budget well and commit to that budget. Be patient with yourself and re-evaluate your expenses as necessary.

Sticking to a budget ensures that you are in control of your finances. Budgeting controls your expenses, which ensures that you are able to pay your bills. Further, budgeting gives you a clear picture of your expenses. This empowers you to make wise spending decisions. Taking a close look at your expenses also shows you where you can reduce expenses.

Keeping a close watch on your income minus expenses is critical to having enough to pay off your debt and managing your debt load moving forward.

Plan to pay off debt. Don’t just think about your desire to pay off debt, actually plan how you will do it.

Sit down with your list of debts and annual percentage rates of each. Figure out which is your most expensive debt to carry forward, and focus on paying that one off first. Generally speaking, your most expensive debt is the one with the highest interest rate.

Of course planning to pay off your debt ties directly to your budget. Your budget dictates how much money you have available each month to put toward your debt payments.

Stop adding to the pile.

You cannot manage your debt if you are adding to it. Stop making new charges. Move away from plastic and use cash so you are spending only what you have. When you have to hand over actual hard-earned cash, you will be more likely to consider your purchases and spending less will come more naturally.

By focusing on getting out of debt and making a concrete plan to make it happen, you can rid yourself of that huge burden of debt!

If you are crafting your plan to get out of debt and realize it is going to take you more than a few years to pay off your credit card or medical debts, then it is time to explore if filing for bankruptcy protection is the right solution for you.

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The Law Office of Barbara B. Braziel helps people get out of debt. We offer free consultations to people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

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

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How Does Filing for Bankruptcy Help People?

When an individual or married couple are deep in debt due to a job loss, medical emergency, or other life-changing event, erasing debts through bankruptcy might be the best choice for them.

While bankruptcy bears the brunt of negative publicity from credit card companies and big banks, there is rarely public discussion on how bankruptcy helps people. Bankruptcy can help a family save their home, help a young professional just starting her career to save her car and erase credit card debt, and help a married couple erase medical debt after the husband suffered a long-term and costly illness. Bankruptcy is a powerful legal tool.

The Ways Bankruptcy Helps People

Bankruptcy helps people by eliminating or reducing debt, stopping creditor harassment, preventing (at least temporarily) foreclosure proceedings or repossession, and gives people the breathing room they need while addressing their debt problems.

Filing for bankruptcy protection can also help people by:

  • Erasing most unsecured debts: including credit card debt and medical bills.
  • Erasing certain older tax debts and some other unsecured debts.
  • Putting an end to harassing phone calls from creditors.
  • Stopping wage garnishments and bank levies.
  • Stopping lawsuits filed by creditors.
  • Creates an opportunity to catch up on mortgage arrears (Chapter 13 only).
  • May create an opportunity for a homeowner to “lien strip” or eliminate a second mortgage (Chapter 13 only).
  • Creates an opportunity to catch up on missed car payments (Chapter 13 only).
  • Creates an opportunity to catch up on other missed payments, such as back taxes or child support payments(Chapter 13 only).
  • Depending on your specific situation you will most likely be able to keep your car and your home. It is more likely that you can keep your car or home if your payments are current and there is not significant equity.

 

Bankruptcy can help people in numerous ways. For many debtors, filing for bankruptcy is the best solution to their overwhelming debt problem.

The Ways Bankruptcy Can Help You

To understand how bankruptcy can help you specifically, we invite you to meet with us for a free, no-obligation consultation. We practice exclusively in bankruptcy law and have been for over 35 years. We serve the people of Savannah, GA and the surrounding areas.

Call us today at (912) 351-9000 or contact us to schedule a free consultation.

 

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

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Debt in Collections: What You Need to Know

Dealing with a debt collection agency can quickly induce stress. The phone rings non-stop and they continually demand money. But if you could afford to make all of your debt payments, you would.

If you have a debt that has gone to collections and you must deal with a collection agency, there are a few things you need to know. Read on

Debt Collectors Must Follow the Law

Debt collection agencies must abide by the Fair Debt Collection Practices Act (FDCPA), which is a federal statute designed to protect consumers from abusive debt collection practices. The FDCPA applies to third-party debt collectors who are attempting to collect debts on behalf of someone else, but does not apply to original lenders.

The unfortunate truth is that the debt collection market has a high risk of fraud and abuse. It is not uncommon for debt collectors to push the boundaries of the law―or downright violate the law.

Under the FDCPA:

  • A debt collector may not call you before 8 a.m. or after 9 p.m., local time where you’re located. 15 U.S. Code § 1692c.
  • A debt collector may not harass, oppress, threaten, or abuse you. 15 U.S. Code § 1692d.
  • A debt collector may not use false, deceptive, or make misleading representations in connection to collecting on a debt. 15 U.S. Code § 1692e.
  • A debt collector cannot threaten you with arrest or imprisonment. 15 U.S.C. § 1692(e)(4).
  • A debt collector cannot threaten to take any collection action, such as filing a lawsuit or wage garnishment, unless the action is lawful and the debt collector intends to actually take such action. 15 U.S.C. § 1692(e)(5).
  • You have the right to stop collection phone calls. Once you notify a collection agency in writing that you do not want to receive phone calls, they cannot legally continue to call you except under specific and limited circumstances. Send the debt collector a letter telling them to stop calling you.

If a debt collector violates the law, we encourage you to report their illegal actions to the U.S. Consumer Financial Protection Bureau and your state attorney general’s office.

Charge-Off Accounts

Your credit report may show a “charge-off” account. A charge-off occurs when the creditor determines that the debt owed is unlikely to be collected, writes the accounts off as a loss, and closes the account to future charges.

After a creditor has charged-off an account, they may transfer or sell the debt to a collection agency. When this happens the collection agency will then attempt to collect on the debt and will also report the account and the balance owed on your credit report. Remember that the debt collection agency must comply with the federal Fair Debt Collection Practices Act. If they do not, they are violating your rights.

Facing Your Debt Problem

If you’ve got debt in collections, it is time to face your debt problem. Ignoring the problem will only make it worse. Eventually you may be sued for non-payment, which can lead to wage garnishment and bank levies. You have options to get out of debt.

If you are deep in debt that you simply cannot afford to pay back, it is time to explore how bankruptcy can stop collection actions against you and get you out of debt.

Exploring Your Debt Relief Options

At the Law Office of Barbara B. Braziel we are committed to helping people get out of debt and gain the financial freedom they deserve. We invite you to learn more about who we are here. If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation.

Reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

 

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

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Tips for Managing Debt

Personal financial management is one of the most important aspects of being an adult―an yet it is not part of the core curriculum of our education system. Many Americans graduate from high school, and even higher education, not having formally studied basic financial management. Budgeting, saving, borrowing and paying back money, how home mortgages operate, how to invest and ensure adequate retirement funds, and other critical money matters are important concepts for everyone to understand.

Getting into debt is certainly not uncommon. Americans owe more than $1 trillion in credit card debt; Americans are more burdened by student loan debt than ever. But there is hope. By practicing sound financial management you can get out of debt and build financial stability. We encourage you to learn all you can about personal financial management best practices! As a starting point, follow these tips for managing debt.

  1. Create a budget and stick to it.

Sticking to a budget ensures that you’re in control of your finances. Keeping a close watch on your income minus expenses is critical to maintaining financial health, and building financial wealth.

It is nearly impossible to spend within reason or to plan savings if you are not aware of how your spending compares to your income. Do you know where your money is going? Do you know how much you are saving, or how much you should be saving to reach your financial goals? Budget.

  1. Pay off your most expensive debt first.

This does not necessarily mean paying off your highest balance first. Your most expensive debt is the one with the highest interest rate. Carrying high-interest debt forward can cost you significantly more to pay back than the principal amount you actually borrowed. Focus on paying off your most expensive debt first, then rinse and repeat until you are debt free.

  1. Have an adequate emergency fund.

You can’t plan for emergencies―but you can plan for the costs of emergencies. Best practice is to have at least six months of living expenses in liquid savings. A safety net of cash to draw upon should it become necessary means you will be less likely to fall behind on your bills and less likely to fall further into debt due to an emergency.

  1. Improve your credit.

By improving your credit you can improve the terms by which you borrow money. Lower interest rates can have a dramatic impact on the costs of your debt.

Improving your credit does not mean opening more lines of credit or credit cards. Instead, review your credit report to ensure your accounts are accurately reporting and then continually monitoring it. Read our article Order A Free Credit Report. Take proactive steps to improve your credit score by reducing large balances and always making timely payments.

  1. Prioritize paying off debt.

Decide that paying off your debt is important to you. Choose paying off debt over unnecessary spending or luxury items, forgo the new phone, fancy dinners out, and the five-dollar latte.

The goals we prioritize are the goals we achieve. Focus your priority, intent, and energy in paying back your debt. When you are living free from debt’s financial burden you will thank yourself!

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The Law Office of Barbara B. Braziel helps people get out of debt. We offer free consultations to people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

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

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What Does it Mean to Have a “Charge-Off” Debt?

The information contained in your credit report dictates your credit score, which is a determinant of your credit-worthiness. The higher your credit score, the more likely it is that you’ll be able to secure loans or lines of credit with low interest rates and other favorable terms. Reports of missed payments, delinquent accounts, and charged off debt are negative marks on your credit report and can lower your credit score.

What Does it Mean to Have a “Charge-Off” Debt?

A “charge-off” means the creditor determined that the debt owed by the consumer is unlikely to be collected, wrote the account off of as a loss, and closed the account to future charges.

  • Federal regulations require revolving creditors (credit cards) to charge-off an account after 180 days of delinquency.
  • After a charge-off, the account may continue to report the past due amount and the balance owed.
  • The charged-off account will remain on your credit report for seven years from the original delinquency date, the date of the first missed payment that led to the charge-off.
  • A charged-off debt does not just go away―the debt is still owed.

After a creditor has charged-off an account, they may transfer or sell the debt to a collection agency. When this happens the collection agency will also report the account and the balance owed on your credit report.

The collection agency will then attempt to collect on the debt. Even if they bought the debt for pennies on the dollar, they will demand payment for the full amount. When dealing with debt collectors: know your rights. Third party debt collectors must adhere to the federal Fair Debt Collection Practices Act. If they do not, they are violating your rights.

If you have charge-off accounts and other delinquent debts, it is time to explore your various options to get out of debt. The sooner you face your debt problems head-on, the sooner you can get out of debt and enjoy the financial fresh start you deserve.

Exploring How Bankruptcy Erases Debt

Here at the Law Office of Barbara B. Braziel we will make sure you understand the benefits of bankruptcy and how filing with affect you and your family. We file hundreds of Chapter 7 and 13 bankruptcy cases every year. But our clients are never just a number. You will not be left in the hands of a paralegal. You will have access to your attorney throughout your bankruptcy case.

We are here to give you the fresh start you deserve. Call us today at (912) 351-9000 or contact us via the web to schedule a free consultation.

 

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

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What Lenders Don’t Want You To Know About Bankruptcy

We often talk about how there are many bankruptcy myths that are believed by most people. There are likely a number of reasons why misinformation about bankruptcy is so prevalent. To be certain, there are things that lenders don’t want people to know about bankruptcy.

What Lenders Don’t Want You To Know About Bankruptcy

Lenders do not want you to know about your bankruptcy options or how bankruptcy can help you. Credit card companies, big banks, large lenders are all served by the public being misinformed about bankruptcy law, and even scared or ashamed of exploring bankruptcy as an option to get out of debt.

Lenders do not want you to know that:

  • Bankruptcy is designed to eliminate debt.
  • Millions of Americans have filed for bankruptcy.
  • Bankruptcy offers many benefits and protections.
  • If you file for bankruptcy, nobody is going to come take all of your stuff.
  • In fact, most people who file get to keep most or all of their personal belongings and other assets.
  • Filing for bankruptcy stops creditor harassment.
  • Bankruptcy stops (at least temporarily) foreclosure and repossession.
  • ERISA qualified retirement accounts are protected in bankruptcy―you will not lose your retirement savings if you file for bankruptcy protection.
  • Your credit score is not ruined forever if you file for bankruptcy.
  • Many people can get loans and lines of credit right out of bankruptcy.
  • So long as all loan requirements are met, you can qualify for a home mortgage after bankruptcy.

Bankruptcy is a financial decision. For many people it is the best financial decision to help them get control of their finances and get out of debt. There is life after bankruptcy.

How Bankruptcy Helps People

Lenders also don’t want people know how much bankruptcy can help. Certainly filing for bankruptcy isn’t the solution for everyone, but for people who are struggling to pay back massive debt, especially medical or credit card debt, struggling to make ends meet, facing wage garnishment or lawsuits for unpaid debt, filing for bankruptcy may be the best financial decision.

Bankruptcy is designed to eliminate unsecured debt, including credit cards, medical debt, collection agency debts, personal loans, utility bills, past due rent, certain older tax debts, most civil court judgments (unless based on fraud), and other unsecured debts.

Learn More About What Lenders Don’t Want You To Know About Bankruptcy

To learn more about bankruptcy, how it helps people, and how filing will affect you personally, we invite you to meet with us for a free consultation.

All of us here at the Law Offices of Barbara B. Braziel want to help you get out from under the weight of financial stress and gain financial freedom. We invite you to read about the clients we’ve helped here.

Please reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

 

We proudly serve the people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

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

READ MORE

Filing for Bankruptcy is Your Opportunity to Take Control of Your Finances

There are many misconceptions and myths about bankruptcy that are commonly believed by people who have little actual experience with bankruptcy law. We strive to dispel bankruptcy myths (read our articles here and here!) because our goal is to give people the financial fresh start they need and deserve.

If you are deep in debt, struggling to pay your bills, facing law suits for unpaid debts or subject to wage garnishment, it is time to explore how bankruptcy can help you.

Filing for Bankruptcy is Your Opportunity to Take Control of Your Finances

We understand it may sound counter-intuitive to state that bankruptcy can be an opportunity to take control of your finances. A common conception of bankruptcy is that it is a signal of financial ruin. But that is not always the case. While we see in the news companies shutting down after filing for Chapter 11 business bankruptcy, the truth is that filing as an individual for Chapter 7 or Chapter 13 personal bankruptcy can offer a fresh financial start.

Consider this: after bankruptcy you will no longer have credit card debt or medical debt. The monthly payments you were once making on those debts is now money available to fund your retirement, stash an emergency savings, or to put toward other wise financial investments.

If your wages are being garnished because of a civil judgment against you for unpaid debt, filing for bankruptcy will put an immediate and permanent stop to that garnishment. That too will open up additional money each month to make ends meet.

Chapter 13 bankruptcy offers an opportunity for people to make up mortgage arrears or missed car payments over time. This empowers people to save their homes or car, while also getting the benefits of paying back debts over time and/or having certain debts erased through bankruptcy.

Bankruptcy Offers A Debt-Free Fresh Start

Bankruptcy offers a debt-free financial fresh start to many filers. While not all debts can be discharged (erased) through bankruptcy, such as student loans or newer tax debts, many debts are dischargeable, such as credit cards and medical debt. Imagine living a life free from debilitating debt, free from collection calls, free from worries about when your unmanageable debt will catch up to you.

If you are struggling with debt, bankruptcy may offer you an opportunity to take control of your finances. You deserve a financial fresh start, and we’re here to help you achieve it.

Bankruptcy Can Put An End Your Financial Struggle

All of us here at the Law Offices of Barbara B. Braziel want to help you get out from under the weight of financial stress and gain financial freedom. We invite you to read about the clients we’ve helped here.

If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation. Please reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

 

We proudly serve the people of Savannah, GA and the surrounding areas, including Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Ludowici, Springfield, Pembroke, Brooklet, and Garden City.

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

READ MORE

We Offer Budget Consulting to Our Clients

It is our goal to help you get out from under the weight of debt, have a fresh start, and be equipped to fully provide for the needs of you and your family. Together we will evaluate your income and expenses and create a plan that will work for you.

Regardless of how you get out of debt, creating and following a reasonable budget is part of overall financial health.

Benefits of Budget Consulting

  • Gaining a clear idea of where your finances are.
  • Creating a clear plan of where you want your finances to be.
  • Creating a budget that is in line with your needs and your family’s needs.
  • More confidence with managing your finances moving forward.

When we meet for our free consultation we will review your entire financial picture. Whether you decide to file for bankruptcy or pursue another solution to your debt problem, budget consulting is beneficial.

We are committed to educating people about their debt relief options at no cost. We offer a free consultation to anyone in the Savannah, GA area. Contact us here or call (912) 351-9000 to schedule your free consultation.

After meeting with us you can expect to have an understanding of your overall financial picture, your various debt relief options, how filing for bankruptcy can help you, and which chapter would be best for your specific situation.

Further, if you decide to file for bankruptcy, you must disclose your income and expenses in your bankruptcy petition. We will review this together, and it will serve as an opportunity to look at your monthly expenses and explore ways to trim expenses.

We understand that it is not easy to talk about your finances or your debt problems. Please know that we are here to help you, we are not here to judge you. We are here to help you gain financial freedom and to help you make today the first day of the rest of your life.

Explore How to Get Out of Debt

At the Law Office of Barbara B. Braziel we are committed to helping people get out of debt and gain the financial freedom they deserve. You will meet with a bankruptcy attorney for your free consultation. You will not be left in the hands of a paralegal or case manager. The attorney you meet with will be the attorney who files your case, and the attorney who will be by your side at the Meeting of Creditors.

We are knowledgeable and experienced attorneys who specialize in bankruptcy and debt relief. We have over 35-years of experience. We’ve helped thousands of people get out of debt and have the fresh financial start they deserve.

Contact us here or call (912) 351-9000 to schedule your free consultation.

 

We proudly serve the people of Savanna, Chatham County, Effingham County, Bulloch County, Bryan County, Liberty County, and Long County.

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

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What Is The Best Way to Get Out of Debt?

To get out of debt you have to face your problem head-on and create a plan―and then execute that plan. While it won’t be easy, it will be worth it. Once you are living without the burden of debt you will be grateful that you took the necessary steps to get yourself out of debt!

The Best Way to Get Out of Debt

The best way to get out of debt depends on your specific situation. What options are available to you and feasible for you depend on many factors.

The first thing to do is to get clear on how much debt you owe. It isn’t uncommon for people to only know the ballpark figure of how much debt they owe. Make a list of all of your debts and add up exactly how much you owe.

The next thing to do is to explore your options for getting out of debt. Evaluate your options and then choose which one is best for you.

  • Create a budget tailored to pay off your debt.
    • This is an excellent solution to your debt problem if you have adequate income and can stick to a budget aimed at quickly and reasonably paying off your debt.
    • If you can reasonably afford to pay back your debt within two to three years, then paying it off is likely your best option.
    • If paying off your debt means struggling to pay for living necessities like rent or food, paying high interest on debts for many years, and not having an emergency savings fund or saving for retirement―that is not reasonably paying off your debt and we encourage you to explore your other options.
  • Settle your debts.
    • Settling your debts for less than the full amount owed most often requires a large sum of cash up front. Typically a Debt Settlement Agreement requires that the agreed upon amount be paid in full within a few days or weeks.
    • Debt settlement comes with potential tax consequences because “forgiven debt” is considered income by the IRS. If you go this route, make sure you can afford the additional tax liabilities.
  • Debt consolidation.
    • A debt consolidation company will collect a monthly fee from you and attempt to make debt settlement deals with your creditors.
    • Many of these companies fail to fulfill their promises or fail to offer any services at all. Be cautious to avoid being scammed by companies offering debt consolidation services.
  • Take out a loan to pay off debts.
    • The loan is used to pay off creditors. Then one payment is due on the loan each month.
    • This is a good option if you can get a loan with a more favorable interest rate than your current debts, and you can afford the monthly loan payment, and you will pay the loan back within two to three years.
  • File for bankruptcy.
    • Filing for bankruptcy is a legal right that helps people erase debts and/or repay their debts over time.
    • If you cannot afford to pay off your debts within the next few years, it is time to consider if bankruptcy is the best way to get out of debt. If you are going to be paying back your debt for many years, paying far more than your borrowed because of interest, unable to properly save for retirement, then bankruptcy might be your best option.

Once you’ve explored your options for getting out of debt, then choose the one that is best for you. Make sure that the option you choose addresses all of your debts. For some people, bankruptcy is the best way to get out of debt because the other options are simply not feasible or would take so many years to execute that they are economically damaging and would keep a person deep in debt for many years to come.

Follow us on Facebook for tips on getting out of debt!

Our law firm is committed to helping people get out of debt and gain the financial freedom they deserve. We invite you to learn more about who we are here. If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation. Call us at (912) 351-9000 or contact us here.

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

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IRS Hired Private Tax Collectors Subject to the Fair Debt Collection Practices Act (FDCPA)

The Internal Revenue Service (IRS) uses private collection agencies to attempt to collect certain overdue federal tax debts. If your IRS tax debt will be transferred to a private collection agency, the IRS will send you written notice that the transfer is happening, and a second written notice confirming the transfer.

These private collection agencies are given accounts that the IRS is no longer actively working on. The IRS states, “Several factors contribute to the IRS assigning these accounts to private collection agencies, including older, overdue tax accounts or lack of resources preventing the IRS from working the cases.”

Your Rights Under the Fair Debt Collection Practices Act

The collection agencies the IRS hires are third party collection agencies and are subject to the Fair Debt Collection Practices Act (FDCPA). This means they cannot violate your rights and must follow the laws on debt collection.

The FDCPA protects consumers from harassment and deception from debt collectors and provides the right to bring legal action for violations and to recover actual and statutory damages and attorney fees.

You have a number of rights under the FDCPA. Here are just a few of your rights:

  • The right to put an end to collection phone calls. Once you notify a collection agency in writing that you do not want to receive phone calls, they cannot legally continue to call you except under specific and limited circumstances.
  • In general, debt collectors may only call between the hours of 8:00 a.m. and 9:00 p.m.―local time where you are located.
  • Debt collectors may contact your family or friends if they do not have contact information to reach you. In such limited circumstances, a debt collector may “for the purpose of acquiring information about the consumer” contact your friends or family.
  • You have the right to be free from debt collection harassment or abuse. Debt collectors may not engage in any conduct in which the natural consequence is to harass, oppress, or abuse. Specifically the following actions are prohibited:
    • The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
    • The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
    • The publication of a list of consumers who allegedly refuse to pay debts.
    • Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C. § 1692e.

 

The IRS collection agencies must follow the provisions of the FDCPA. If a private collection agency for the IRS violations your rights, you may be entitled to bring legal action against them.

Further, the private collection agencies hired by the IRS will not collect payments from taxpayers. Payments must be made to the U.S. Treasury and sent to the IRS, not the private collection agency.

Certain Older Tax Debts Can Be Erased

Certain older tax debts can be erased through bankruptcy. If you have questions about tax debts and bankruptcy in Georgia, we invite you to come meet with us for a free consultation. We proudly serve the people of Savanna, Chatham County, Effingham County, Bulloch County, Bryan County, Liberty County, and Long County.

Schedule your free consultation by calling us at (912) 351-9000 or by filling out this simple web form.

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

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