One frequently cited reason why people seek advice about bankruptcy and other debt relief options is to avoid ongoing harassment from creditors. Whether a client needs to stop repossession of a vehicle or fight foreclosure on a primary residence, a bankruptcy attorney can explain the many legal options available.

As important as legal advice from a debt relief lawyer can ultimately be for a creditor, a few common sense tips can help those who are experiencing debt collection harassment:

  • Understand the basic legal rights of consumers under the Fair Debt Collection Practices Act and the protections provided by the Federal Trade Commission and other state and federal government agencies
  • Keep a close record of all conversations and correspondence with debt collectors to document abusive or unacceptable practices, and request a written statement that details the alleged debt
  • Demand the address of debt collectors who call repeatedly, and send a certified cease-and-desist letter to request that the calls stop

Private collection agencies often pick up debt from banks and credit card companies for pennies on the dollar and have everything to gain by hounding debtors. For that same reason, they can be amenable to settlements if the person who owes them takes a strong negotiating stance.

Most important of all, consumers should never depend on a harassing caller for honest information about their rights and obligations. A consultation with a bankruptcy lawyer can provide immediate insights into everything from debt settlement negotiations to the immediate relief provided by the automatic stay under U.S. and Arizona bankruptcy laws.

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    • Phoenix Office – New Wright Law Offices  2999 N. 44th St., Ste 600 Phoenix AZ 85018  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Phoenix Office – Old Wright Law Offices  668 N. 44th St., Ste 320 Phoenix AZ 85008  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Scottsdale Office  Wright Law Offices  7135 East Camelback Road, Ste 230 Scottsdale AZ 85251  Telephone: 480-845-0145 / 866-703-3287 Scottsdale Law Office
    • Tempe Office  Wright Law Offices  2238 S. McClintock Dr. Tempe AZ 85258  Telephone: 480-845-0145 / 866-703-3287 Tempe Law Office
    • Avondale Office Wright Law Offices  12725 W Indian School Rd, Suite E-101 Avondale AZ 85392  Telephone: 623-258-4480 / 866-703-3287 Avondale Law Office
    • Mesa Office Wright Law Offices  4856 E. Baseline Rd. Suite #104 Mesa, AZ 85206 Telephone: 480-845-0145 / 866-703-3287 Mesa Law Office
    • Glendale Office  Wright Law Offices  20325 N. 51st Ave., Suite 134 Glendale, AZ 85308 Telephone: 623-258-4480 / 866-703-3287 Glendale Law Office

    What our clients are saying…

    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.
    Tara
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!
    Steffanie
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.
    Damian
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.
    Shannon
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.
    Jenna