An Attorney to Help You Fight Creditor Harassment
Are you getting aggressive, harassing phone calls from people trying to collect on unpaid debts? Are these debt collectors calling your boss and your family members or calling you at home at all hours of the day?
You do not have to tolerate harassing debt collection calls. Filing for bankruptcy on your unpaid debts can put a stop to the harassment as soon as you hire a lawyer. To discuss whether bankruptcy is the right option for you, contact me, attorney Thomas F. McGrath, Jr. Based in Bellevue, I help clients throughout the Seattle area.
Putting an Immediate Stop to Debt Collection Calls
Harassing phone calls are a tactic creditors use to extract as much money as possible from people who genuinely cannot afford to pay their debts. Debt collection agencies that have either bought your debt or been hired by your creditors will typically make aggressive claims and threats to get you to give up money that you need for yourself and your family.
Debt collection phone calls can be extremely stressful, threatening and — when they occur at work or in front of friends — embarrassing. Under federal law, you have a right to put a stop to these calls.
Like creditor lawsuits and wage garnishment, debt collection calls are covered by the automatic stay offered by the bankruptcy process. However, harassing phone calls are also covered by a separate law called the Fair Debt Collection Practices Act.
If you decide to hire me as your attorney to prepare your bankruptcy filing, I can help you take steps to make the calls stop right away, even before we complete your bankruptcy filing.
Protecting Senior Citizens From Intimidation
Debt collection phone calls can be particularly harmful for senior citizens on fixed incomes. Because Social Security and other federal benefits are exempt from being garnished or otherwise seized by creditors, debt collection agencies will often focus all their energy on calling seniors repeatedly and intimidating them.
If you are tired of the threats and aggressive behavior of debt collectors, filing for bankruptcy can wipe your debts clean and put a permanent stop to the phone calls. Your bankruptcy decision should be made after carefully weighing the costs and benefits. Contact me to discuss your specific situation with an experienced Washington bankruptcy lawyer.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
