Harassing calls from creditors can be one of the most stressful parts of being in debt and not having the ability to pay your debts. In the Phoenix area, many people are living this nightmare on a daily basis.
There are a few different ways to put a stop to the creditors that are giving you so much worry. Firstly, threats such as, “I am going to have you put in jail if you don’t pay” are illegal, a creditor cannot threaten to do what he or she cannot legally do. Typically, you cannot go to jail from simply not paying your debts. Therefore, this type of threat is illegal pursuant to the Fair Debt Collection Practices Act.
The Fair Debt Collection Practices Act is a set of federal laws that essentially provide protection to you, the debtor, from debt collectors. The full act can be found here:
If there is a violation of this act, you may be able to sue the creditor and obtain monetary damages! You read that right, you may be entitled to actually obtain money from the company or entity that is trying to get money from you. If you suspect a creditor may be in violation of this act, you should immediately contact an attorney in your area. If you are in the Phoenix, Scottsdale or surrounding areas, give Wright Law Offices a call and we can help you make a determination as to whether or not you have a potential claim against a harassing creditor or collection company.
Another way to put an almost immediate stop to those collection calls is to file bankruptcy. Any contact of you by a creditor after a bankruptcy is filed is in violation of federal law. If a creditor dares to harass you after a bankruptcy, you can file a motion for sanctions against that creditor and also win monetary damages. Again, if you are in Phoenix, give us a call at Wright Law Offices and we will help determine if bankruptcy is a suitable option for you.
Contact Us to Learn More
Call one of our Phoenix Bankruptcy attorneys at 480-845-0145 or
send us an e-mail, and we will can help get you past the pesky creditor calls and on to a fresh start. We look forward to meeting with you for a free consultation.
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