Take The First Step Toward A Fresh Financial Start

Bring An Immediate Stop To Creditor Harassment

At this point, you are likely getting calls from debt collectors that seemingly never end. Every call is a stressor, and you may even be avoiding your phone entirely. Between that and the letters, it is understandable that you are overwhelmed. But you do not need to suffer from creditor harassment.

At NextStep Bankruptcy Law, our attorneys work to help you put a stop to harassing calls and letters. We know that your financial recovery will not improve with unnecessary badgering.

How The Law Protects You

While attempts to collect debt are legal, harassment from creditors or debt collectors is not. The first thing every person with debt should know is that under no circumstances is creditor harassment okay. The Fair Debt Collection Practices Act outlines your rights very clearly. The law protects you from creditors calling you at all hours of day and night, contacting you at work and leaving threatening messages, among other protections. This kind of behavior is unacceptable, and you can take legal action regardless of whether bankruptcy is the right option for you.

If you file consumer bankruptcy, either through Chapter 7 or Chapter 13, the law affords you even more protections. Once you file bankruptcy:

  • Collections calls will stop entirely
  • Creditors must stop sending any collections letters
  • Repossession and foreclosure actions are halted under a court action, called the automatic stay

Your debt management may benefit greatly from these steps, and your mental health will benefit from an end to creditor harassment.

Your Next Step Can Bring Peace Of Mind

There are many different ways to manage your debt reduction needs. Our job is to guide you through the legal process so that you can focus on your long-term financial recovery. Contact our office in Chicago by calling 312-667-7717 for a free, personal consultation with one of our attorneys.