Creditor harassment is one of the most stressful parts of being in significant debt. It can make you feel like you are a bad person and the situation you’re in is all your fault. As a creditor harassment lawyer Memphis relies on, I know this is far from the truth. Most folks who are in debt aren’t bad people, they just found themselves facing an unexpected financial hardship. These might include a job loss, an unexpected illness, or other traumatic life event.

Unfortunately, creditors don’t care what’s going on in your life – they only care about getting paid. Which means, on top of everything else, you have to shoulder the stress of creditors persistently contacting you, threatening lawsuits, foreclosure, wage garnishment and other legal actions.

Thankfully, there is a way to put an end to creditor harassment for good — with bankruptcy.

How does bankruptcy stop creditor harassment?

There are different types of bankruptcy: Chapter 7 and Chapter 13. One of our experienced bankruptcy lawyers can advise you on which type is best for you. The good news is that both will lead to an automatic stay that will stop creditor harassment in its tracks once you file.

What is a bankruptcy stay?

When bankruptcy is filed, an automatic stay goes into effect. This means creditors are prohibited from contacting you or trying to collect their debt. What stops?

  • Harassing phone calls
  • Garnishments
  • Foreclosures

All legal action against you stops. This means you will be able to catch your breath and start getting your financial life back on track.

How can a lawyer help with creditors during bankruptcy?

If you file for bankruptcy, your lawyer will ensure that creditor calls stop for the duration of your bankruptcy. They will contact the creditors for you, so that you don’t have to deal with the stress of those phone calls.

Many people fear filing for bankruptcy because they think it will mean more stress. But in reality, it is one of the best ways to relieve debt anxiety and get a fresh financial start. A lawyer can also help guide you through the entire bankruptcy process and ensure there are no mistakes in filing. 

Contact a creditor harassment lawyer Memphis relies on today for FREE.

If you want to stop creditor and collector harassment, give us a call at 901-327-2100 or contact us online to schedule a FREE consultation – no strings attached. We can answer any questions you may have, discuss the type of bankruptcy that’s best for you and your family, and come up with a plan to stop creditor harassment in its tracks.

Creditors don’t wait to take action when people stop paying their bills. You shouldn’t wait to take action to protect your financial future. By starting the bankruptcy process, you ensure that creditors can no longer threaten you with foreclosures, repossession, or wage garnishment.

Give us a call today so you can stop creditor harassment once and for all, and get on the path to financial freedom.