Bankruptcy Stops Creditor Harassment

Harassing phone calls, letters threatening wage garnishment, foreclosure and other collection actions – debt problems can make life miserable.

While it may seem as if your creditors hold all the cards, this is not the case. You have the most powerful debt relief solution available to you: Filing for Chapter 7 or Chapter 13 bankruptcy.

At the Law Offices of Jennifer LaRese, LLC, in Southbury, our attorneys help people who are struggling with debt get creditors off their back. We understand the stress and anxiety that accompany debt problems, and we are here to help you explore legal options for stopping creditor harassment and leaving debt in your past.

Bankruptcy And The Automatic Stay

The automatic stay is one of the most powerful legal protections available to American consumers. As soon as you file for bankruptcy, the automatic stay goes into effect, immediately barring your creditors from calling you, writing you letters and taking debt collection activities against you. In fact, once you file, your creditors may not contact you directly at all. They also can’t attack your wages or execute on your bank account. They may reach you only through your attorney.

Have Your Creditors Crossed The Line?

Debt collectors must abide by state and federal laws or face legal consequences. Some things they are forbidden from doing include:

• Contacting you at work after being told you cannot take calls
• Contacting third parties about your debt situation
• Lying about the debt owed
• Failing to identify themselves

We are well-versed in the Fair Debt Collection Practices Act (FDCPA) and other federal and Connecticut laws that apply to collection activities. If your creditors have violated the law, we can help you explore your legal options.

Take Control From Debt Collectors

It may seem like your creditors hold the high ground, but you can reverse that by filing for Chapter 7 or Chapter 13 bankruptcy. We have helped numerous clients who were suffering due to the stress and harassment that accompanies debt, and we are here to help you as well. To arrange your free initial consultation with an experienced bankruptcy and debt relief attorney in Southbury, please call our law offices at 203-583-8668 or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.