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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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Erase Debt with Chapter 7 Bankruptcy

Living under the weight of debt can feel debilitating. Hearing your phone ring constantly with calls from creditors. Wondering how you’re going to stay current on your monthly bills and pay back your mounting debts. Chapter 7 bankruptcy might be the solution to your debt problems.

Nobody wants to file for bankruptcy, but please know there is no shame in it. Bankruptcy is your legal right. Here at Law Offices of Barbara B. Braziel we help hundreds of families, just like yours, file for bankruptcy protection every year.

Chapter 7 bankruptcy is a powerful tool to erase your debts and give you the fresh financial start you deserve. We’re here to answer all of your questions. Call us right now (912) 351-9000 to schedule a free consultation.

What Debts Can Chapter 7 Bankruptcy Erase?

Debts that can be erased through bankruptcy are dischargeable debts. Debts that cannot be erased through bankruptcy are known as nondischargeable debts. Chapter 7 bankruptcy has the power to completely eliminate a number of dischargeable debts.

The following types of debts are generally dischargeable in Chapter 7:

  • Credit cards
  • Medical bills
  • Collection agency debts
  • Personal loans
  • Past due rent
  • Most civil court judgments (unless based on fraud)
  • Certain tax debts (older tax liabilities may be erased)
  • Other unsecured debts (debts that are not backed by collateral, such as a home or car)

If you successfully file for bankruptcy, these dischargeable debts are erased forever and you are not obligated to pay them back.

The following types of debts are nondischargeable:

  • Student Loans
  • Certain tax debts (newer tax liabilities are not erased)
  • Back child or spousal support
  • Secured debts, such as your house or car (if you want to keep the item, you must pay back the loan)
  • Civil or criminal debts based on fraud

Even if you successfully file for bankruptcy, these nondischargeable debts are not erased and you are still legally obligated to pay them back.

Should I Consider Filing For Chapter 7 Bankruptcy?

If you’re struggling to pay back your debts, it is time to take an honest look at your finances. If you cannot reasonably pay off your unsecured debt, including credit cards and medical bills, in two years, then it is time to consider filing for bankruptcy.

Chapter 7 may be a good option for you to get out of debt if:

  • You do not make a lot of money. Qualifying for Chapter 7 is simple if you make less than the average median income for your state.
  • You do make a lot of money, but you have a lot of secured debt (loans back by collateral, such as a house or car), or business related debt. It is a myth that people who make a lot of money cannot file for bankruptcy. Even if you earn well-above the media income, you may be able to qualify for Chapter 7 relief.
  • You have not fallen behind on your house or car payments.

 

We Offer Free Consultations

Follow us on Facebook to learn more about how Chapter 7 bankruptcy can erase your debts. We are here to give you the fresh start you deserve. Contact us today to schedule a free consultation.

We 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