Stop Harassing Collection Calls and Letters

The down turn of the economy has been tough on everyone.  It is amazing how quickly credit card debt can pile up.  Once you fall behind on your payments, calls from creditors will begin.  They want to know why you are not making your payment and when you will make your next one.  They are relentless.  Soon you and your family are afraid to answer the phone.  You need help but are not sure what to do.

Filing for bankruptcy may give you the relief you need.  Bankruptcy is a legal remedy that gives consumers the right to liquidate, eliminate, or reorganize their debts, depending upon whether they file a Chapter 7 or Chapter 13 bankruptcy. Bankruptcy is often the quickest away to stop creditor harassment.

How the Automatic Stay Ends Creditor Harassment and Collection Efforts

The instant you file for bankruptcy, the law prohibits your creditors from taking any collection activity against you because of the automatic stay.  The automatic stay is like an injunction which requires creditors to stop calling, sending letters, or suing you over your debts.  All creditors and collection agencies, including the IRS, are required to leave you alone.  If your creditors contact you while you are under the protection of the bankruptcy court, and they have not received court permission to do so, they are in violation of federal law.  Those creditors in violation of the law are subject to sanctions, damages, and even an award of attorney fees.

How Filing Chapter 7 or Chapter 13 Can Help

Sometimes life takes an unexpected turn.  Nobody starts out his or her adult life by planning to file for bankruptcy one day.  However, if you find yourself in a difficult financial situation, bankruptcy may help:

  • Stop constant creditor harassment.
  • Discharge the debt you just can’t get ahead of, no matter how hard you try.
  • Give you a fresh start, free of debt… and free of harassment.

Georgia Bankruptcy Attorneys Can Stop Collection Calls

The experienced bankruptcy attorneys at Berry & Associates have been protecting clients from creditors for more than 25 years.  We offer a free, no-obligation consultation to discuss your unique situation at one of our 11 Georgia offices.  All information is kept strictly confidential.  Get help with your debt today by calling our office at (800) 414-3328.