King County residents frequently receive telephone calls from creditors asking for payment of overdue debts. These calls can quickly become harassment, especially when creditors start calling your workplace, your relatives or show up in person at your door.
In addition, creditors often employ illegal tactics to try and coerce debtors into submitting payments to them. These harassers will even misinterpret the law to you and threaten you to no end in their efforts to create stress and turmoil in your life.
It can be extremely difficult to get creditors to stop harassing you, but there is one technique that will protect you every time. If you successfully qualify for Chapter 7 or Chapter 13 bankruptcy, you will be protected from creditors who continue to pester you. In fact, the moment you file for bankruptcy, you will receive protection via an automatic stay, which legally bans creditors from making any contact with you during the processing of your bankruptcy petition. In addition, once your debts have been discharged through bankruptcy, creditors have to permanently cease their harassing phone calls.
When creditors fail to follow the terms of an automatic stay, you may have the ability to sue them for damages. Have you or your family suffered from creditor harassment? Do you want to make it stop? At the Law Office of Ruth Nelson in King, Washington, we are available to talk to you about your debt situation and inform you of your legal rights and options to file for bankruptcy and what kind of bankruptcy will be most appropriate for your situation.