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Get Stress Relief: Stop Creditor Calls and Collection!

Have you fallen behind on your bills and now your phone is ringing non-stop with debt collection calls? Are you being harassed by calls from collection agencies? Does your stomach knot up every time you see a random (888) number pop up on your screen?

Did you know you have the power to stop collection calls yourself?

We want you to know your rights. There are laws in place to protect you from being harassed by creditors. No matter how much money you owe, or how far you’ve fallen behind on payments, nobody has the right to abuse you or mistreat you because of it.

The Fair Debt Collection Practices Act (FDCPA) is federal law designed to protect you and stop abusive, deceptive, and unfair debt collection practices. Even in the face of these powerful laws, many creditors still engage in illegal and abusive debt collection practices in violation of your rights under the FDCPA.

How to Stop Creditor Calls

Under the FDCPA, 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 certain circumstances. If they continue calling, you have the right to sue them for violating your rights.

To get the collection calls to stop, follow these steps:

  1. Send the collection agency a letter telling them to stop calling you.
  • Send the letter by certified mail, so you have proof of delivery
  • Keep a copy of the letter
  • Do not provide any information the collection agency does not already have (such as your current address or phone number, name changes, etc.)
  1. Keep a record of everything.
  • Including letters, log of phone calls, voice mails, and notes on any conversations.
  • If you speak to a collection agency, make notes on what was said, and note the date, time, and agent’s name and employee ID number.

What to write in the letter:

To ensure the creditor understands you know your rights, use the following language in the letter:

This letter is to notify you in writing that I no longer wish to receive communication from you, including phone calls, in regard to the alleged debt. Pursuant to the Fair Debt Collection Practices Act § 805, 15 U.S.C. § 1692(c) you must cease all communication with me, family members, or my employer.

You may only contact me to notify me in writing of your intention to either pursue specific remedies or terminate collection attempts.

This letter is in regard to ceasing communication, and is not, and should not be construed as, an admission regarding any alleged debt.”

The Debt Still Exists Even If the Collection Phone Calls Stop

It is important to understand that even if the phone calls have stopped, the debt still exists. Even if they are not calling you, your creditors can take collection action against you, including suing you for unpaid debt.

Did you know bankruptcy stops all collection action, including law suits, wage garnishments, and bank freezes? To learn more, read our article here.

Certainly stopping harassing credit calls will help you get stress relief. However, we encourage you not to ignore or avoid your debt problems. We’re here to help you get out of debt. We even offer free consultations to anyone in Savannah, GA and all of the surrounding areas.

Follow us on Facebook for more tips to stop creditor harassment!

 

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

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Bankruptcy Stops Collection Action

Are you being harassed by debt collectors? Is your phone ringing off the hook with (888) calls from creditors? When your phone rings, do you feel a surge of anxiety because you know it is another collection call?

Are you being sued for not paying a debt back? Or, do you have a default judgment against you because you ignored a law suit?  Do you need a fresh financial start?

The Law Offices of Barbara B. Braziel is committed to helping you gain financial freedom to help you make today the first day of the rest of your life. We’ve been helping people erase debt with bankruptcy for over 30 years.

Bankruptcy stops all collection action. As soon as your bankruptcy case is filed, it is illegal for your creditors to attempt to collect from you. This is because of the automatic stay. To learn more, read our article The Power of the Automatic Stay and How It Helps You.

Once your case is filed  your creditors must cease and desist all collection action against you, including:

  • Call you or send you bills
  • Garnish wages
  • Levy bank accounts
  • Sue you for unpaid debts
  • Move forward with a pending law suit
  • Repossess your car (at least not right away)
  • Foreclose on your home (at least not right away)

Bankruptcy is a powerful tool to help you. Bankruptcy does not just stop collection action. It also wipes out debts, including credit card debt and medical bills. At the conclusion of your case, most or all of your debts are discharged – they are erased forever. Your creditors can never try to collect on a discharged debt from you again.

Imagine that your phone stops incessantly ringing with collection calls. You no longer live in fear of when you’re going to get served with a law suit. Your wages stop being garnished.

Imagine the feeling of relief when you have a zero balance on all credit card debt. Picture the day you get a fresh start – a life free of the stress and anxiety of carrying a mountain of debt. Bankruptcy is a powerful tool that can give you the fresh start you just envisioned.

Follow us on Facebook to learn more about how to stop collection action and harassing phone calls!

We are here to help you get out of debt and gain the financial freedom you deserve. Call us today at (912) 351-9000 or contact us via the web to schedule a free consultation.

For over 30-years we have been helping people in Savannah, Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Springfield, Pembroke, Brooklet, Garden City, and Ludowici Georgia get out of debt through bankruptcy.

 

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

READ MORE

The Power of the Automatic Stay and How It Helps You

As soon as you file for bankruptcy, all collection action against you must stop.

The automatic stay puts an end to collection phone calls, a mailbox stuffed with overdue bills, law suits, wage garnishments, and any other debt collection action against you. The automatic stay is powerful.

The automatic stay is a provision in the U.S. Bankruptcy Code that makes it illegal for creditors to attempt to collect on debts from a person who has filed for bankruptcy protection. There are only a few exceptions to the automatic stay.

 

The Automatic Stay Begins As Soon As Your Bankruptcy Case Is Filed

As soon as you file for bankruptcy your creditors must stop calling you, billing you, or taking any measures to attempt to collect money from you. Any repossession or foreclosure action must stop immediately as well.

 

The Automatic Stay Is Effective For the Life Of Your Bankruptcy Case

With few exceptions, the benefits of the automatic stay remain in effect throughout your bankruptcy case. At the conclusion of a successful bankruptcy, you receive a bankruptcy discharge. The bankruptcy discharge is a court order that says your debts are discharged. This means you are no longer personally liable to pay back your debts. Once you have your discharge, your creditors cannot legally attempt to collect any discharged debts from you, and the automatic stay is no longer necessary.

In rare cases the bankruptcy judge will lift the automatic stay at the explicit request of a creditor. In such cases, the creditor must file the appropriate paperwork and you must be given the opportunity to fight it.

 

Creditors Must Cease and Desist from All Collection Action

The automatic stay is a powerful right granted to debtors. Once you file for bankruptcy protection, your creditors are not allowed to:

  • Call you or send you bills
  • Garnish wages
  • Levy bank accounts
  • Sue you for unpaid debts
  • Move forward with a pending law suit
  • Repossess your car (at least not right away)
  • Foreclose on your home (at least not right away)

 

Exceptions to the Automatic Stay

There are a few rare exceptions to the automatic stay. These exceptions are enumerated by Congress in the U.S. Bankruptcy Code. The automatic stay exceptions include family law proceedings relating to divorce or parenting, collection on ERISA-qualified pension loans, IRS tax audits, demands for tax returns, or assessment of tax liabilities. However, the IRS must cease and desist from collection action for tax debts while the automatic stay is in effect.

 

The Automatic Stay Does Apply to Co-Debtors In Some Instances

The automatic stay may apply to other people who may have co-signed a loan with you.

If you have a loan or line of credit with someone else, the creditor is not allowed to continue collection action against an individual co-signer without court approval in most instances.

Note that if you file a joint bankruptcy petition with your spouse, the automatic stay will stop tax collection action against both of you. However, if only one spouse files for bankruptcy, collection action by the federal or state government for tax debt may legally continue against the non-filing spouse.

 

What Happens If A Creditor Violated the Automatic Stay

Any continued collection action against you is a violation of federal law. If you’ve filed for bankruptcy and a creditor continues to attempt collection, or even contacts you to attempt settlement, contact your bankruptcy attorney immediately.

Make sure to keep excellent records of the dates, times, names of people with whom you spoke, and any other evidentiary support. You may be able to make a recovery against a creditor who willfully continues to violate the automatic stay.

Follow us on Facebook to learn more about how to stop creditor harassment!

We are here to stop creditor harassment, get you out of debt, and help you gain the financial freedom you deserve. Call us today at (912) 351-9000 or contact us via the web to schedule a free consultation.

The Law Offices of Barbara B. Braziel proudly serve people in Savannah, GA and the surrounding areas.

 

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

READ MORE