In today's challenging economy, millions of Americans are facing more debt than they ever had in the past. Creditors are worried that they are not going to get paid for medical bills or credit card bills, so they contact these individuals to remind them that a payment is due. Unfortunately, these calls can quickly take on a harassing tone and frequency.
At Cravens & Noll, our lawyers are experienced in all facets of bankruptcy law and understand the financial protections available to individuals. When your debt is spiraling out of control, it is important to remember that you still have rights. Contact a knowledgeable attorney at our firm for a more detailed discussion regarding the options available to you.
Chesterfield Automatic Stay Attorney
There are two main protections available to individuals suffering through dire financial crises:
- Fair Debt Collection Practices Act: Even before an individual makes the decision to file for bankruptcy, Congress has ensured that creditors follow very strict rules about how debtors are treated. This act details many guidelines that a creditor must follow including when they can call, who they can call and what they can say. Many creditors will attempt to contact you at work, or threaten you with criminal prosecution. These activities are against the law and an experienced attorney can inform you of all of your protections.
- Automatic stay: Once bankruptcy is filed, the automatic stay begins. At this point, all debt collection practices must end. This includes harassing phone calls, garnishments or lawsuits. If a creditor attempts to contact you after you have filed for bankruptcy, all you have to state the name of your attorney.
Understanding their protections, many individuals feel an immediate sense of relief — of stress and worry being removed from their shoulders. Through a detailed and thorough investigation of your finances, our lawyers can provide legal advice about your best course of action.
Contact the Richmond Creditor Harassment Attorneys at Cravens & Noll
If you are facing difficult financial times and have questions about ending creditor harassment, we can help. Our experienced attorneys can educate you on the benefits of filing for bankruptcy and help you get a fresh financial start. Turn to the experienced Richmond, Virginia, automatic stay lawyers of Cravens & Noll. To schedule a free initial consultation, call 804-332-6161 or toll free at 866-547-6373, or simply contact us online.
