End Harassing Creditor Calls With Determined Legal Counsel
At best, creditor calls can be irritating – but at worst, they can be intrusive, embarrassing and disruptive to your life. In many cases, motivation is not the issue anyway; phone calls do not give you the sudden ability to pay debts. The pressure of creditor harassment can be an immense source of stress.
At the Law Offices of K. Hunter Goff, P.A., I look forward to providing you with a sense of relief from these creditors in Florida. I want you to be able to avoid cringing every time the phone rings at 8 a.m. sharp. As your lawyer, my goal is that you can go to work without fear of having a fellow employee or your boss tell you have a phone call from a creditor.
Creditors Must Follow The Law
Under the Fair Debt Collection Practices Act, most creditors seeking personal debt repayment cannot use certain collection tactics, including:
- Calling you in the middle of the night
- Calling your workplace, if you informed them that collections calls violate your employer’s policy
- Contacting other people to find out more information about you other than basic contact information
- Contacting other people about you multiple times
- Discussing your debt with someone else besides your spouse, parent or attorney
- Continuing to call you directly after you have notified them that you have legal representation
- Verbally abusing you or threatening your safety
There are also other federal and state laws that protect consumers from creditor harassment. If you believe that your creditors have violated the law, I can use my focused legal experience to defend your rights.
Many of my clients are simply fed up with the abusive way their creditors treat them. Often, it is the creditor’s own abusive acts and unreasonable “negotiating” of the debt that leads my clients to file bankruptcy.
Why Bankruptcy Forces Creditors To Stop Calling
When my clients file bankruptcy, all of their creditors get contacted and put on notice of the filing. The bankruptcy law imposes what is called an “automatic stay” against those creditors contacting my clients regarding the collection of a debt.
In many ways, this automatic stay is the best friend of bankruptcy attorneys and their clients. It can give you time and space to focus on getting a fresh start out of your bankruptcy case. The automatic stay can even pause foreclosure proceedings.
Nearly all creditors will abide by the automatic stay and leave you alone after you file bankruptcy. For any creditors who ignore their legal obligations and continue harassing you, they may face stiff penalties. The bankruptcy judge can hold creditors accountable for violating the automatic stay, and I will pursue those penalties as appropriate.
I Will Stand Resolute Against Creditors
If you’re ready to put an end to annoying, intrusive and rude collection calls at all hours of the day, get legal representation. Contact me to find out not only how I can help stop those calls but also work to wipe out the debt causing them in the first place. Call my Orlando office at 352-577-7689 or send me an email.
The Law Offices of K. Hunter Goff, P.A., is a debt relief agency. The firm helps people file for bankruptcy relief under the Bankruptcy Code.