This local bankruptcy lawyer knows that being in debt can be stressful, and being hounded by your creditors can quickly make a bad situation worse. Collection agencies are known for their aggressive tactics and they can make you feel trapped with their relentless assault on your phone, mailbox and email. In these situations, you need the help of an experienced bankruptcy attorney to hold them off and give you the breathing room you need to follow through with the filing process. People frequently find that the only way to get a collection agent’s attention is by saying “Talk to my lawyer”.
Bankruptcy attorneys have many different ways to help you stop creditor harassment
Acting as an intermediary – If you hire a bankruptcy attorney your creditors will have to contact them, instead of calling you. All you have to do is tell them who represents you, and the contact number and you are out of the loop. If they still try to contact you, your bankruptcy attorney can take steps to put an end to it.
Automatic stay – The automatic stay is the heavy hitter when it comes to ending creditor harassment. By law, once you file for bankruptcy and the stay goes into effect, your creditors must cease any and all collection activities until the bankruptcy process is complete.
Discharging the debt – A great bankruptcy lawyer can help you to choose the best type of filing for your situation and guide you through the process. Once you are finished with your bankruptcy there will be no reason for your creditors to continue their harassment because you will be debt free. This is by far the most satisfying option because it allows you to have a fresh start and get on with your life.
Alternatives to filing for bankruptcy – If you still want to pay off your creditors and do not want to file for bankruptcy,you can get a loan modification or debt negotiation instead. These are perfect for the situations where the payments just got away from you and you need a new payment plan to be worked out with the creditor.