Are You Sick of the Phone Calls and Threats?
As if the debt itself was not stressful enough, people who owe money are often plagued by creditors who will not stop calling and threatening. While creditors have certain rights, many of the steps they take to collect what they are owed fall outside of what is allowed by the Fair Debt Collection Practices Act. For example, creditors cannot use obscene language, threaten to hurt you or put you behind bars, or make disturbing calls to your workplace. The problem with the FDCPA is that it requires legal action to enforce it and it will not stop legal collection efforts such as lawsuits and judgment liens.
There is one certain way to stop creditor harassment and collections: bankruptcy. At the law firm of Cantu & Hickson, P.C., our attorneys help people in Austin and throughout Texas put an end to the phone calls and threats with the help of Chapter 7 bankruptcy and Chapter 13 bankruptcy.
Our lawyers are among the few who have earned the title of board-certified bankruptcy specialists. This is considered a mark of excellence, your proof that you are in good hands.
Our Texas Attorneys Can Stop Collection Actions
As soon as bankruptcy is filed, an automatic stay takes effect. The automatic stay requires that creditors must stop all collection actions against you. That includes the harassing phone calls and threats of foreclosure, repossession and garnishment.
While creditors receive a systematic notice of the automatic stay within a week of a bankruptcy filing, we take it upon ourselves to personally notify the most aggressive creditors so that they will stop contacting you immediately. Any collection actions that continue after the automatic stay takes effect are sanctionable under the bankruptcy law.
Contact Us Today for Your Free Consultation
Call 512-900-4460 or send us an e-mail to schedule your free consultation with our Austin attorneys about how to stop creditor harassment. Payment terms available. Se habla español.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
