Although credit harassment might seem like a minor issue to some people, it can actually be quite problematic. When creditors start calling your workplace, you open yourself up to the risk of losing your job. Many employees have been fired as a direct or indirect result of harassing creditor calls they receive while at work.
The good news is that you do not have to deal with the consequences of creditor harassment. After you file for bankruptcy, you put an immediate stop to garnishments, repossessions, foreclosures, and adverse creditor actions. Contact the compassionate legal team at Bankruptcy Attorneys, PLLC for a free consultation and determine whether filing for Chapter 7 or Chapter 13 bankruptcy is the right decision for you. Gives us a call at 425-289-9873 and schedule a meeting at one of their meeting locations in Kirkland, Seattle, Bellevue, Tacoma, Bremerton, or Everett.
Recognizing Creditor Harassment
If you owe a great amount of debt, then you might already be suffering from creditor harassment. Creditors harassment may come in numerous forms:
- Calling your neighbors
- Calling your employer
- Calling your cell phone repeatedly
- Threatening you with jail-time (this is a dubious threat, since only failure to pay your tax bill can warrant an arrest)
If you file for bankruptcy, the federal courts bar your creditors from contacting you, your neighbors, and your employer. The protection you receive under bankruptcy law halts this damaging practice.
Many forms of creditor harassment are illegal, and Tacoma, Seattle, Kirkland, Bellevue, Bremerton, Everett bankruptcy lawyer Ryan Nykamp has successfully sued creditors who were using unlawful debt collection practices. For example, if your creditor posted your Social Security number on a claim or filed an untrue claim against you, then you have the legal right to take action against the company.
The Hazards of Creditor Harassment
One of the more serious risks of creditor harassment is the threat of garnishments. Creditors might attempt to garnish your wages or bank account in an attempt to collect payments. If you have had a garnishment filed against you, then you might be qualified to halt it before it reaches your bank account or payroll services by filing an emergency bankruptcy petition.
If you are being harassed by your creditors, then now is the time to put a stop to this financially risky problem. Contact the compassionate legal team at Bankruptcy Attorneys, PLLC for a free consultation at one of their meeting locations in Kirkland, Seattle, Bellevue, Tacoma, Bremerton, or Everett, at 425-289-9873.