San Antonio Stop Creditor Harassment Attorney:
If you are behind in your bills or cease paying your bills because you simply do not have the funds, it is quite likely that you will be contacted by a bill collector or a collection agency. Bill collectors are quite often overly aggressive in their ceaseless attempts to get you to pay money that you just don’t have. Because bill collectors are paid a percentage of the money they are able to get you to pay, they often resort to tactics that try to scare you into paying. They may call you on a daily basis – or more frequently – and hound you to send them money. They may send you emails and letters, threatening you with lawsuits and judgments. They may even try to tell you that they’re going to have you arrested. The good news is that there are solutions available to halt creditor harassment. Fears Nachawati offers a free case review to discuss your particular creditor harassment situation and to apprise you of the options that may be available to you. Call us at 866-259-3002 to schedule your free appointment.
Filing for Bankruptcy Automatically Halts Creditor Harassment:
Upon filing for a Chapter 7 or Chapter 13 bankruptcy, the court instantly issues an automatic stay. This goes into effect immediately. In fact, you do not have to ask the court to grant the automatic stay. What is the automatic stay and why is it such an important legal tool?
- The automatic stay is a federal restraining order that prohibits creditors from contacting you.
- If a creditor violates the automatic stay, s/he is actually in contempt of a federal statute.
- Creditors may not contact you by phone, email, letter, or in person without permission of the bankruptcy court.
- Creditors will be notified that you filed for bankruptcy within a few days of filing. If they do contact you before getting notice, all you have to do is tell them you filed for bankruptcy. You may choose to give them your case number.
- Ask your attorney about other options to halt creditor harassment.
Contact a San Antonio Attorney to Stop Creditor Harassment:
The automatic stay is certainly a powerful and effective legal tool to stop creditor harassment. There are other methods that may be employed to stop creditors from harassing you without filing for bankruptcy. The Fears Nachawati Law Firm offers a complimentary case review that will help you understand your available options to halt creditor harassment. Once you know what your options are, it is your choice whether you wish to proceed. To schedule your free case review on the phone or at the San Antonio Fears Nachawati office, call us at 866-259-3002.