Creditor Harassment

Creditor harassment is not a common problem, but it isn't rare either. While harassment may seem like too drastic a word to describe what a creditor will do, it isn’t. Many debtors go through a lot before they manage to pay back their debts.

By law, threatening violence, using obscene language, and calling persistently with the intent to irritate or annoy amounts to harassment. In addition, calling home at odd hours or a work place if there has been a notification not to do so and even calling up relatives or friends without the debtor's permission can all amount to harassment.

Debt collectors frequently live up to the stereotype of being unreasonable, unfair, and even harsh people. The next option the debtor has is to attempt to gain an extension or negotiate a lower rate by going to an organized debt consolidation individual. This might not work either. If the bills are simply too overwhelming, bankruptcy might be the best way to put an end to creditor harassment.

Filing for bankruptcy ensures that all debt collection activities, ethical or otherwise, stop immediately. As soon as a person files for bankruptcy, all creditors and bill collection agencies must stop their collection efforts immediately. The bankruptcy court and the attorney will notify all creditors of the bankruptcy proceedings through the mail. Because the mail could take some time to get to the creditor, the debtor can also notify creditors if the creditor makes a phone call or shows up on the front door step.

In the event that creditors continue to contact a debtor after that debtor has filed for bankruptcy and informed all creditors of the same, there are penalties and fines in place to punish the creditors. In fact, once a creditor has been notified that an individual is represented by an attorney; all calls must be directed through that attorney.

The creditor may be unreasonable or unfair but the law is not. A bankruptcy lawyer will be able to provide the debtor with guidance to tackle creditor harassment. Should a creditor continue to harass, disclose all instances to the attorney and the attorney will be able to deal with that creditor using the appropriate legal methods.

Contact a Boston Bankruptcy Lawyer

If you have been a victim of creditor harassment and are facing a dire financial situation, contact the Boston bankruptcy attorneys of Joshua Spirn & Associates at 1-800-975-5346 today.