Stopping Creditor Harassment
While creditor harassment may seem like a minor issue to some, it can actually be quite problematic. When creditors begin calling your workplace, you run the risk of losing your job. Numerous employees have been terminated as a direct or indirect result of the harassing creditor calls they receive while at work.
The good news is that you do not have to suffer the consequences of creditor harassment. By filing for bankruptcy, you can put an immediate halt to garnishments, repossessions, foreclosures, and adverse creditor actions. Contact the experienced Birmingham bankruptcy lawyer of GREENWAY BANKRUPTCY LAW, LLC today at (205) 324-4000 to schedule a free initial consultation and determine whether filing for Chapter 7 or Chapter 13 bankruptcy is right for you.
Recognizing Creditor Harassment
If you owe a large amount of debt, then you may already be suffering from creditor harassment. Creditor harassment can come in many different forms:
- Calling your neighbors
- Calling your employer
- Calling your cell phone repeatedly
- Threatening you with jail-time (this is an empty threat, since only failure to pay tax bills can warrant an arrest)
If you file for bankruptcy, your creditors will be barred from contacting you, your neighbors, and your employer. This damaging practice will be put to a halt.
Some forms of creditor harassment are illegal, and Birmingham bankruptcy lawyer Paula Greenway has successfully sued some creditors who were utilizing unlawful debt collection practices. For example, if your creditor has posted your Social Security number on a claim or filed an invalid claim against you, then you have the right to take legal action against the company.
The Hazards of Creditor Harassment
One of the most serious dangers of creditor harassment is the threat of garnishments. Creditors may attempt to garnish your wages or bank account in an effort to collect payment. If you have had a garnishment filed against you, then you may be eligible to stop it before it reaches your bank account or payroll services by filing an emergency bankruptcy petition.
If you are being harassed by your creditors, then now is the time to put a halt to this financially dangerous problem. Contact Birmingham bankruptcy lawyer Paula Greenway today at (205) 324-4000 to explore your options.