Creditor Harassment and Bankruptcy
A San Francisco bankruptcy attorney comments on Creditor Harassment and Bankruptcy
Almost everyone who is behind on credit card payments knows how annoying the calls from creditors demanding payments can be. However, not everyone knows that it is possible to make these calls stop, and in certain circumstances, actually sue the creditor for violating the law if the contact continues. Creditor harassment is annoying and difficult to deal with. The following tips will help an individual deal with harassing creditors and hopefully find some peace and quiet, especially during the stressful time prior to filing bankruptcy.
If you have retained a bankruptcy attorney but have not yet filed a petition, it is possible to stop creditor harassment. Creditor harassment and bankruptcy are common in the sense that creditors want to know when they will be paid while the individual is preparing for bankruptcy and has likely stopped all card payments. It is important to inform the creditors that you have retained an attorney and they are no longer allowed to contact you.
It is important to realize, however, that simply informing a creditor that you have retained an attorney will not put a stop to the debt collection effort, as the creditor can file a lawsuit against you in court to try and collect the outstanding debt. When dealing with creditor harassment and bankruptcy options, it is important to monitor any civil suits against you in order to make sure no judgments are entered.
If creditors are still harassing you after you inform them you have retained an attorney it is important to let your attorney know so the appropriate steps can be taken to penalize the creditor. If the creditor harassment continues even after you have filed your bankruptcy petition, it is also advised that you inform the trustee assigned to your case, as they too can use certain methods to ensure contacts stops.
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