How do I make my creditors stop calling?
A San Jose bankruptcy lawyer asks: How do I make my creditors stop calling?
Text: Creditors and their collection efforts are monitored by a piece of legislation called the Fair Debt Collection Practices Act. The FDCPA limits the amount and times that a creditor may call during the day. But what if you want the creditors to stop calling altogether? There are three main ways to make creditors stop calling.
First, you can work out a payment schedule with your creditors. However, if it has gotten to the point where creditors are harassing you, you probably cannot afford the monthly payments on top of living expenses.
Second, you can send a cease and desist letter to make creditors stop calling. A cease and desist letter demands that your creditors stop calling. This is a convenient way to put a band-aid on a problem but does nothing to solve the actual problem.
Lastly, you can retain an attorney to assist you in filing for either Chapter 7, 11, or 13 bankruptcy. By filing for bankruptcy, the creditors lose their right to sue and attempt to collect for the duration of the bankruptcy, thus making the creditors stop calling. Should your dent be discharged, the creditors will stop calling altogether.
If you have questions regarding Bankruptcy in San Jose please contact us at 408.279.2288 for a free consultation or visit www.bkanswers.com and we can connect you with one of our experienced San Jose Bankruptcy Attorneys. After you have spoken with one of our downtown San Jose bankruptcy attorneys, we can schedule you for a free face to face appointment in an office location nearest you. Our team of San Jose Bankruptcy Lawyers can assist you with all aspects of your bankruptcy or bankruptcy litigation case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, or would like to learn more about bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist you with all of your debt resolution questions. Please feel free to complete our free online bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy. We look forward to hearing from you, San Jose and the South Bay!
