Bankruptcy Marks the End of Creditor Harrassment
A San Jose bankruptcy attorney explains how bankruptcy often marks the end of harassment from creditors.
When you cannot afford to pay your bills or cannot make the required monthly payments filing for personal bankruptcy may be your only option. Bankruptcy used to be an easy way for some individuals with huge amounts of debt to clear their credit history file. Lawmakers changed the rules for filing for bankruptcy in an effort to stop those consumers who were using bankruptcy as a way to avoid paying off their debts.
If you simply have more bills than cash flow, bankruptcy will prevent bill collectors from contacting you. Creditors often employ collection agencies who will stoop to any level to get you to pay your bills. Most creditors harassment involves using schemes to trick you into paying your debt.
A tactic used by some unscrupulous collection agencies is contacting your neighbors and friends in an effort to obtain information about you. This of course is illegal, but it does happen and if you are the victim of this form of creditors harassment it is hard to prove. When you file for bankruptcy, the harassing calls will end because it then becomes illegal for the creditors listed in the filing to have any further contact with you.
If you would like more information on this topic or other bankruptcy topics, please contact our San Jose office at 408.279.2288 or 1800.941.6730. We at Sagaria Law can connect you with one our our experienced San Jose bankruptcy attorneys. We have bankruptcy attorneys located throughout California and Oregon to assist you with your bankruptcy questions. If you need assistance regarding a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, a cram down, stopping a foreclosure or wage garnishment, asset protection, discharging debt, etc. we can help! Please contact us to receive a free consultation or visit our website at www.sagarialaw.com to request an in-person consultation with an experienced bankruptcy attorney. We have an exceptional team of bankruptcy lawyers, bankruptcy client care specialists and bankruptcy staff supporting San Jose.
