You Do Not Have To Live With Constant Contact From Creditors
One of the most frustrating aspects of owing a significant amount of debt is the harassment and amount of phone calls you get from various creditors. You may get phone calls, letters and other types of messages from individuals attempting to collect money, as well as notices of serious actions such as repossession and foreclosure.
This is stressful, but the attorneys with the Law Offices of Marc A. Ominsky, LLC, can help you understand how you can protect yourself against these efforts. While creditors have the right to seek payment, there are limits to what they can do. If you are a victim of creditor harassment or want to know how you can make this contact stop, we can help. We serve Maryland clients in Howard, Montgomery, Anne Arundel, Baltimore and Prince George’s counties.
What Counts As Creditor Harassment?
There are various types of behavior that could count as creditor harassment. After evaluating your situation, we help you determine if you are a victim of inappropriate and illegal behavior. If you experienced any of the following from debt collectors, our Columbia attorneys can help you take steps to protect your interests:
- Phone calls at unreasonable hours
- Creditors calling you at work after you asked them to stop
- Lying or misrepresenting themselves when talking to you
- Releasing your information or information about your debt to others
- Seeking unfair amounts of money
- Threatening arrest or other types of legal action
By filing for bankruptcy, you will enact the automatic stay. This prohibits further contact from creditors, and it will halt processes such as wage garnishment and repossession efforts. However, if creditors acted illegally or continue to contact you, garnish your wages or take other steps after filing, you could have grounds for legal action against the creditor.
Committed To A Better Future For You
We understand the significant stress debt can have on your life. We are committed to helping you reach a better financial future, whether that is through consumer bankruptcy, foreclosure defense or other options. Find out how we can help you make creditor harassment stop by taking advantage of our offer of free bankruptcy case evaluations. Call (443) 539-8712 or email us for an appointment.