Boca Raton Bankruptcy Lawyer

Problems with Debt: Creditor Harassment

Creditors are known for being quite persistent when it comes to collecting debts. This is because that is what they are paid to do. In addition, whenever they collect on a debt, they get paid as well. Creditors are usually within their rights when they contact you excessively, by phone, mail, or both. Unfortunately, some creditors go too far with their attempts to make a debtor pay up.

The majority of creditors remain professional and follow all rules when making attempts to collect on debts; however, there are always a few bad apples in the bunch. These generally don’t follow the proper process or protocol. They may attempt to scare someone into paying their debts. These creditors may also make false promises to someone in debt. No one should feel scared or forced into doing anything because of what a creditor says.

The main forms of harassment are:

• Home visits
• Threats of Violence
• Excessive Phone Calls
• Calling at Unreasonable Hours
• Providing False Information or Promises
• Threats to Embarrass the Individual in Debt

Some people feel that filing for bankruptcy is the only way they can make creditors stop calling them to pay their debts concerning auto loans, credit card debt, or medical bills that haven’t been paid at all for a certain amount of time. They feel this is their only option because once a person files for bankruptcy, the creditors must stop contacting them regarding their debt until the case has been discharged or decided.

If you have been a victim of creditor harassment or are faced with a ridiculous amount of debt, contact the Boca Raton consumer bankruptcy lawyers of Klein Attorneys at 561-353-2800 to discuss your situation and to determine the best plan to get you out of debt.