Michigan Bankruptcy Attorneys — Stop Collections and Judgments
Creditor harassment can be a serious nuisance. You are receiving harassing phone calls in the morning, during the day, at dinner, and in the evening. You may have received threatening letters or phone calls at work. You have rights as a debtor. At Acclaim Legal Services, we want to help you stop harassment and collections, and obtain a fresh financial start.
Contact our debt relief law office for a free initial consultation with an experienced Michigan bankruptcy lawyer.
If a creditor is in the process or has already obtained a Judgment against you, we can help. The Chapter 7 will eliminate the debt and the judgment immediately and prohibit the creditor from pursuing a Wage Garnishment. A Chapter 13 reorganization will also stop a judgment and allow you to set up reasonable repayment terms at 0% interest through the Chapter 13 plan. You may be required to pay just a portion of the debt back, based on your income and budget, through the Chapter 13 Plan and at the completion of the program, the balance of the judgment would be eliminated.
Fair Debt Collection Practices Act
Although a creditor does have a right to contact you to collect past due debt, the Fair Debt Collection Practices Act sets forth limitations. For example:
- Creditors cannot call your employer, friends, or family if you have directed them not to.
- Creditors cannot call you at work if you have told them not to.
- Creditors cannot harass you by using profane language.
- Creditors cannot force you to pay for debt that you do not owe.
- Creditors cannot threaten litigation simply to get you to pay the debt.
How Filing Bankruptcy May Help
Filing for bankruptcy under Chapter 13 or Chapter 7 will automatically stop collections calls. Once you have filed bankruptcy, creditors are prohibited from contacting you or attempt to recover debt. In addition, any pending lawsuits must be automatically stayed.
As experienced bankruptcy lawyers, we can help you understand whether bankruptcy is right for you. We are committed to helping you obtain peace of mind knowing that debt relief will not take over your life.
Contact us at 866-438-5217 to learn how a skilled bankruptcy attorney can help you stop creditor harassment and stop collections.
