How To Handle Harassing Creditors
A San Francisco bankruptcy attorney observes that many people dealing with bankruptcy also have to deal with creditors and creditor harassment. here's how you can handle them:
It can get very stressful when having to deal with harassing creditors calling, but when those calls turn to constant harassment, it can start to feel like you are in a nightmare you can’t seem to wake up from. There are some things you should be aware of that will help you take a course of action that will make the process more tolerable.
Familiarize yourself with your rights as outlined by The Fair Debt Collection Practices Act. There are standards put in place as to what debt collectors can and cannot do. This is an important part of being able to defend yourself from harassment.
Always get any payment agreements or settlements in writing before paying anything. If you are making efforts to clear the debt and you are still being harassed, you need to send a cease and desist letter requesting that the debt collector no longer contact you about the debt. By law they must stop contacting you after receiving the letter. If you continue to receive calls, record them, this will give you proof of the harassing creditors calls and you are entitled to sue. Even though you owe a debt, and you are responsible to pay the debt, but you also have the right not to be harassed.
If you would like more information on this topic or other bankruptcy topics, please contact our San Francisco office at (415) 946-8882 or (1800) 941-6730. We at Sagaria Law can connect you with one our our experienced San Francisco bankruptcy attorneys. We have bankruptcy attorneys located throughout California and Oregon to assist you with your bankruptcy questions. If you need assistance regarding a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, a cram down, stopping a foreclosure or wage garnishment, discharging debt, etc. we can help! Please contact us to receive a free consultation or visit our website at www.sagarialaw.com to request an in-person consultation with an experienced bankruptcy attorney. We have an exceptional team of bankruptcy lawyers, bankruptcy client care specialists and bankruptcy staff supporting San Francisco.
