3 Tips for Handling Creditor Harassment

creditor harassmentIf you’re dealing with creditor harassment, there are a few things you can do to try to put an end to it.

1. Cease and Desist Letter

If you are being harassed by a creditor or debt collector, you may be able to stop the harassment by sending a cease and desist letter. A cease and desist letter is a formal request that the person or company stop any harassing behavior. This type of letter can be effective in stopping creditor harassment because it puts the creditor on notice that the behavior is unwelcome and makes it clear that further harassment could lead to legal action.

2. Contact the Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau (CFPB) is a government agency that protects consumers from unfair, deceptive, or abusive practices by financial companies.

The CFPB offers several resources to help consumers who are being harassed by creditors. The agency provides an online complaint form that you can use to file a complaint against a company. The CFPB will then investigate your complaint and take action if they find that the company has violated the law.

The CFPB also offers educational resources on its website, including articles and tips on how to deal with creditor harassment. You can also sign up for their email list to receive updates on the latest news and information about consumer protection.

3. Contact an Attorney

If the harassment is severe, you may want to consider consulting with an attorney. Severe harassment can include things like repeated phone calls, threats of legal action, and attempts to contact you at work. If you are being harassed by a creditor, an attorney can help you understand your rights and options.

Bankruptcy Stops Creditors

If you’re struggling with debt, you may be considering bankruptcy as a way to get a fresh start. But one of the things you may be worried about is how filing for bankruptcy will affect your creditors.

Will they still be able to contact you? And if so, what can you do to stop the harassment?

When you file for bankruptcy, an automatic stay goes into effect. This means that your creditors are no longer allowed to contact you or take any collection actions against you. This includes calling you, sending you letters, or even garnishing your wages.

If a creditor does attempt to contact you or take collection action after you’ve filed for bankruptcy, you can report them to the court. The court can then take action against the creditor, which may include fining them or holding them in contempt.

To learn more about how you can deal with creditors or if you are ready to file for bankruptcy to end debt collector calls once and for all time, contact R. Flay Cabiness, II, P.C. at (912) 417-5041 (Brunswick, GA); (912) 809-2141 (Hazlehurst, GA) or; (912) 324-3176 (Jesup, GA) to schedule a consultation.

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Hazlehurst, GA 31539
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Jesup, GA 31545
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