Debt Settlement Lawyers in Atlanta, Georgia
Swift relief for distressed consumers
Have your creditors done any of the following?
They may be breaking the law. The Fair Debt Collection Practices Act regulates how your creditors can behave when they try to collect on a debt. However, creditors don't always follow the rules. If you think your creditors are crossing the line, it's time to contact our debt settlement lawyers. Let us show you how you can finally put an end to the lawsuits, collections, and creditor harassment.
When you can't make payments on your personal debts, it may seem like your creditors will stop at nothing get what they are owed. One common tactic is to file a lawsuit against you. A creditor has the time and resources to go to court, but you might not be in a position where you can fight back. A creditor might also sell your debt to a third-party debt collector. Debt collectors can—and will—contact you in person, by mail, and on the phone. They aren't supposed to contact you before 8 am or after 9 pm, but many debt collectors don't follow these rules and call at all hours of the day or night. Debt collectors have been known to come to workplaces, make threatening statements laced with obscenities, and lie about their identity. Some have even claimed to be law enforcement, and threatened that people will be "arrested" if they don't pay.
So what can you do if your creditors are harassing you?
Instead of getting involved in a time-consuming, expensive lawsuit, your best option may be to get an automatic stay. An automatic stay stops creditors and debt collectors in their tracks. They won't be able to file lawsuits, continue existing lawsuits, make phone calls, or send letters to collect on debts or repossess your belongings. How can you get an automatic stay? As our experienced creditor harassment attorneys in Atlanta will tell you, you do it by filing for personal bankruptcy.
Just filing the paperwork for personal bankruptcy is enough to activate an automatic stay. You don't need a special court order. Once the stay is in effect, the creditors can't do anything until you and your attorney have come up with a plan to eliminate your debts. You won't have to worry about any more harassment by debt collectors. You can finally sleep at night knowing that the creditors have gone away.
Take back the power from your creditors. Call DebtStoppers today!
Creditors harass you to wear you down so that you do things on their terms. Don't let them have all the power. Set up an appointment with an Atlanta creditor harassment attorney and let us explain whether Chapter 7 or Chapter 13 bankruptcy is best for your needs. Give us a call today at 404-796-7161, or contact us online to set up a free consultation with an experienced DebtStoppers attorney.