Morristown Creditor Harassment Attorneys
Protecting Clients in Morris County and Beyond from Creditor Harassment
Bill collectors are relentless, and some of the tactics they employ amount to harassment and abuse. While the Fair Debt Collection Practices Act (FDCPA) places restrictions on the activities of companies that pursue delinquent debts, some creditors and debt collectors ignore the rules, skirt the law, and violate your rights.
Are You a Victim of Creditor Harassment in Morristown?
If you have overdue payments or outstanding debts, you are likely inundated with calls from collection agencies hounding you for payments. Some credit collection firms push the legal boundaries to get a debtor to pay up.
Under federal law, it is illegal for creditors to engage in any of the following acts:
- Provide false information about the amount you owe
- Falsely claim to be an attorney
- Falsely claim they will have you arrested
- Contact third parties and reveal private information about your debt
- Call you repeatedly
- Harass or abuse you, threaten you with harm, or use obscene language
- Publicize your identity
Stop Creditor Harassment with Help from Our Firm
At Ast & Schmidt, P.C. in Morristown, we offer legal support to people who are victims of creditor harassment. If a creditor has violated federal law and engaged in illegal actions, we can help you file a complaint or lawsuit, potentially securing substantial compensation to cover financial damages and legal fees.
Filing Bankruptcy in Morris County: End Creditor Calls, Letters, and Lawsuits
Another option you have to end harassment is filing for Chapter 7 or Chapter 13 bankruptcy. Bankruptcy initiates an automatic stay that puts an immediate end to all collection activities. Bill collectors will no longer be able to contact you by phone or send you threatening letters or emails. Even wage garnishment, lawsuits, evictions, and foreclosure proceedings are put on hold. And, once your bankruptcy petition is filed, your creditors will be ordered to direct all further correspondence concerning your debts to your lawyers.
Filing for bankruptcy can bring you relief from vehicle repossession, the threat of foreclosure, and constant calls to your home or work. Our bankruptcy lawyers at Ast & Schmidt, P.C. have decades of experience ending creditor harassment. If appropriate, we can help you file Chapter 7 or Chapter 13 bankruptcy.
Once your case is filed, you can expect:
- An immediate automatic stay
- Prevention of further financial harm while your case is pending
- Legal penalties for debt collection companies that ignore the automatic stay
Connect with Us As Soon As Possible
Speaking with an experienced debt relief attorney in Morristown is the first step to a brighter financial future. We are ready to help you gain invaluable freedom from creditor calls, letters, and lawsuits.
Our team of bankruptcy attorneys at Ast & Schmidt, P.C. can take the right actions to help you achieve relief from crushing debt. We promise you, there is a light at the end of the tunnel.