Do Not Be Afraid To Answer the Phone Anymore

Owing money and having debt is stressful enough on its own. The stress caused by financial troubles can be compounded by harassing creditor phone calls. However, you do not have to tolerate harassment from creditors — there are options to put an end to the constant phone calls and letters. We can help you pursue a stop to the harassing phone calls and contacts from creditors and collection agencies.

You have an ally at the Law Office of Ronald D. Cummings. We are committed to helping clients in Will County, Illinois, understand their rights and exercising those rights against harassment from creditors. It is important to us that we are able to help clients find the relief that they need to continue moving forward with their lives. Together with clients, a lawyer at our firm can take charge of debts and pursue an end to the creditor harassment you and your family may be experiencing. Do not let the harassment from debt collectors continue.

Stop Creditors From Calling

After you have filed for Chapter 7 or Chapter 13 bankruptcy protection, your creditors will receive notice of the filing. Once this notice is received by the creditors, an automatic stay is put into effect. This means that any and all creditors are prohibited from continuing collection actions against you. Any calls received may result in the creditors being in violation of the Automatic Stay in Bankruptcy; Violations of the Automatic Stay by creditors may in certain instances subject the creditor to sanctions imposed by the Bankruptcy Court; It may also be a violation of the Fair Debt Collection Practices Act (FDCPA).

Fair Debt Collection Practices

More and more, creditors are in violation of the Fair Debt Collection Practices Act (FDCPA). This is a law that was established in order to create guidelines by which creditors and collections agencies must abide. If you have filed for bankruptcy already, you are protected from some of the following actions:

  • Creditors calling your home or workplace
  • Creditors sending threatening letters
  • Agencies continuing to mail bills
  • The potential for home foreclosure
  • The threat of wage garnishment

Free Bankruptcy Consultations ~ (815) 729-9212

Call us TODAY for a free consultation with an attorney at our bankruptcy law firm.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.