Creditors are not allowed to call you after you have filed for bankruptcy protection.

The daily multiple phone calls that you receive due to being behind on your mortgage, credit card payments, bills, and/or other debts is a constant reminder of your unmanageable debt and your poor financial situation. With every incoming phone call, feelings of anxiety and stress become as overwhelming as the debt itself. Even if you never directly speak to a collection agency, creditor or debt collector, the unanswered calls and demanding messages do not stop reminding you that there is no hope of providing relief from your debt. Blocking numbers on your phone and screening calls is not going to help your debt go away, it may only briefly stop the collection attempts. What can you do to make the phone calls from creditors stop?

Seek the guidance of an experienced bankruptcy attorney.

Talking to the right Phoenix bankruptcy attorney is important as you will soon realize that there is hope for real debt relief. Filing chapter 7 or chapter 13 bankruptcy can resolve any financial issues, give you a means to an end, stop creditor harassment, and provide you with the information you need to move forward to a better financial future. Contacting a trusted bankruptcy lawyer and retaining services is the right path to getting you a Fresh Start. Creditors must stop calling you once they have received notice of your bankruptcy.

Filing bankruptcy will stop creditor calls and creditor harassment.

It can take some time for the bankruptcy court to process your final paperwork and then send that to the creditors. They may keep calling you up until getting that written notice, so you will want to have your attorney make phone calls to notify the creditors and provide them with the case number. Verbal communication by a lawyer is as binding as a written formal notice. When a bankruptcy petition is filed, an automatic stay will go into effect. Creditors may not contact you during this process. Also, once your debt is discharged, creditors do not have a claim to your old debt and must permanently desist any attempts at collection. Typically, creditors do abide by these rules, because they are required to.

The creditors must abide by a bankruptcy court’s decision regarding all discharges in a case, they can not attempt to collect on a debt after you have filed bankruptcy. Some creditors do not abide by the notice given of bankruptcy and continue to call, even possibly threaten, harass, and intimidate you. They will tell you lots of things to get their money. If a situation like this arises, it is important to inform your bankruptcy attorney to handle the creditors’ harassment. Most debt collectors will not continue to contact you once they know and have confirmed that you are filing bankruptcy.

You may discuss with an experienced PHX bankruptcy attorney the steps you can take in order to ensure the calls from your creditors stop once and for all. You then need to come up with a plan of action to deal with your debts. In order to properly deal with your debt and the creditors, it is important that you visit with your attorney about the law. You have rights, and you should know not only what they are, but how to protect these rights, as not to be taken advantage of by creditors or the system. Before you take any action, discuss your case with an attorney knowledgeable about bankruptcy law. Many Arizona bankruptcy lawyers offer free consultations and low legal fees. Take advantage of these offers and find out if filing for bankruptcy protection is the best solution for you and your family.

 

668 N. 44th St., Ste 300
Phoenix, AZ 85008
Office: (602)509-0955

1731 W. Baseline Road, Suite 100
Mesa, AZ 85202
Office: (480) 263-1699

20325 N. 51st Ave., Suite #134
Glendale, AZ 85308
Office: (623) 640-4945

2 East Congress St., Suite 900
Tucson, AZ 85701
Office: (520) 306-8729

Call (602)509-0955 for a FREE Bankruptcy Consultation NOW!!!

Serving Chapter 7, Chapter 11, and Chapter 13 clients in Phoenix and surrounding communities!

MY AZ LAWYERS, PLLC
PHOENIX BANKRUPTCY LAWYERS
LOCATIONS: Offices throughout the valley.
CONTACT US NOW:

Call (602) 509-0955 to set an appointment with one of our Phoenix Area Bankruptcy Lawyers.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.

DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO contact our Arizona Bankruptcy Law Firm AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.