New Jersey Bankruptcy Attorney Stops Bill Collectors
Creditors want to get paid and won’t take no for an answer. They don’t care if you recently lost your job or are dealing with serious health concerns. As soon as you stop sending money, they will call you morning, noon and night until you take out your checkbook.
Creditors will use the telephone as a weapon. If they need to call you ten times a day in order to get paid, they will. Even worse, many creditors have no problem calling your neighbors, family members and employers in order to put additional pressure on you. Clients can become so embarrassed by calls to their workplace, that they have used grocery money, prescription medicine money and rent money just to get the phone calls to stop.
Protect yourself. Get a fresh start. Stop the harassing phone calls.
When the calls first start, it’s best to screen your calls and contact New Jersey Bankruptcy Attorney Marc P. Feldman for advice. The fact you have creditors calling you is a sure sign that you are in financial turmoil. New Jersey bankruptcy attorney Marc P. Feldman can quickly determine whether debt counseling or bankruptcy relief is right for you.
- • Make note of the names and numbers of every bill collector who calls. It is important to keep a record should you later need to file bankruptcy, or bring a lawsuit against a creditor for unfair debt collection practices.
- • If creditors are harassing you at home or work, or if calls are being made to neighbors, get protection under the Fair Debt Collection Practices Act (FDCPA). You can use this consumer protection law to request that no creditor contact you by telephone. You should also send each creditor a letter by certified mail, return receipt requested, in order to have proof that they received notice from you. If the creditor continues contacting you, you can sue them for damages under the Fair Debt Collection Practices Act (FDCPA).
It is important to note that although the Fair Debt Collection Practices Act (FDCPA) can quiet phone calls, the law can only accomplish so much. Creditors are still owed the money and are determined to collect what is due them. If a creditor is legally prevented from calling you under Fair Debt Collection Practices Act (FDCPA), they will probably hire a debt-collection lawyer to sue you. When this crisis occurs, and you have no ability to repay the debt, or you have many other unpaid bills, you need bankruptcy advice immediately.
Once your phone starts ringing with collection calls, consider consulting the Bankruptcy Law Firm of Marc P. Feldman. He can explain practical steps to make the phone calls stop permanently—and help you prepare a plan to get rid of your debt.