Phone calls from creditors who are trying to collect on unpaid debts can have you anxious about picking up the phone and can make you feel embarrassed and threatened. When calls come at all hours of the day, at work or in front of friends, they can become intolerable. These calls are used as a tactic by creditors to extract money from people who have fallen on bad times and cannot afford to pay their debts. Fortunately, you do not have to put up with creditor harassment.
By filing for bankruptcy, you can stop harassing phone calls, letters, e-mails and other debt collection activities, including wage garnishments, creditors freezing bank accounts, repossession and foreclosure. At the law offices of Nathan Erlich, P.C., our lawyers can help you decide whether bankruptcy is the right option for you and can guide you through the process of filing for Chapter 7 or Chapter 13 bankruptcy. Since 1992, we have helped clients in Flushing, Queens, and throughout the area discharge credit card debt, medical bills and other debts through bankruptcy protection.
Contact our firm to schedule a free initial consultation with an experienced attorney. Discuss your situation and how we can help stop harassing phone calls from creditors and collection agencies.
Fight Creditor Harassment and Find a Fresh Start
As soon as you file for bankruptcy protection, an "automatic stay" is in place that prevents creditors from contacting you or engaging in any other collection activities. By itself, this can bring peace of mind since you no longer have to worry about dodging phone calls or feeling ashamed every time you check the mail. If creditors continue to contact you while the automatic stay is in place, it may be possible to pursue damages through litigation.
Additionally, some creditors violate the Fair Debt Collection Practices Act with their aggressive ways. This law makes it possible to stop harassing phone calls if the calls take place after hours, use threatening speech or other illegal tactics. In any case where creditors are harassing you, it is important to have our legal team on your side that can help you understand your rights and what options you have for relief.
Contact the Law Offices of Nathan Erlich, P.C.
With offices throughout the area, attorney Nathan Erlich can help you if you are tired of the threats and aggressive behavior of debt collectors. Whether you are in Queens, Brooklyn or anywhere in New York, contact us for a free initial consultation by sending us an e-mail or by calling toll free at 877-518-7581.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.