Stop Creditor Harassment in Cobb County
Marietta Bankruptcy Attorney
There are many benefits of bankruptcy, but one of the biggest benefits is the immediate cessation of all harassing creditor calls and letters. If bankruptcy is the best option for your financial situation compared with any alternatives to bankruptcy, then you should take immediate action to obtain legal counsel and stop the harassing collection calls. Consult with a bankruptcy lawyer as soon as possible to learn what the best decision is for your case.
Fair Debt Collection Practices Act
In 1978, the U.S. added the Fair Debt Collection Practices Act (FDCPA) to the Consumer Credit Protection Act. The purpose of this act is to protect consumers from harassment and wrongful treatment by creditors and debt collection agencies. Prohibited acts include, but are not limited to the following:
- Calling before 8:00 a.m. or after 9:00 p.m.
- Causing the phone to ring continuously
- Contacting a consumer at their place of employment when it is known to be unacceptable
- Using threatening or profane speech
- Using deceit or misrepresentation
- Publishing the consumer’s name on a debt blacklist
Additionally, creditors and debt collection agents are required under the FDCPA to follow certain procedures regarding their conduct. This conduct includes the following:
- Identifying themselves and their purpose for calling
- Informing the consumer of their right to dispute the debt
- Verifying the debt when requested
The most reliable means of stopping creditor harassment is to obtain legal counsel. According to the FDCPA, creditors and collection agencies must immediately cease any further contact with a consumer once the individual has retained a bankruptcy attorney. This is known as an automatic stay, which allows the consumer to pursue a form of debt relief without having to stress over constant calls and letters from their creditors.
The sooner you retain a bankruptcy attorney, the sooner the harassing calls will stop. Blevins & Hong, P.C. has helped thousands of individuals find the relief they need and guided them step by step through the bankruptcy process. Call today to set up a one-on-one appointment with a knowledgeable bankruptcy attorney in Marietta. We would love to review your situation with you and help you take the first step toward financial freedom.
Blevins & Hong, P.C. shares more than 55 years of collective experience and employs lawyers who focus solely on bankruptcy law. Get the advice and representation you need by calling our offices or by taking advantage of our free online case evaluation. Our firm would love nothing more than to help you get a fresh start through bankruptcy or any alternatives, such as obtaining a loan modification or a short sale. Contact Blevins & Hong, P.C. today to discuss your options and learn what you can do to resolve your debts.
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