Enduring harassment at home and at work by overzealous creditors can exacerbate the stress and pressure you're already feeling because of your debt. One of the many reasons people file for bankruptcy is to stop harassment from creditors.
Debt collectors have been known to make use of underhanded tactics if they believe they can get away with them. This is why it's important to know your rights when you have filed for bankruptcy.
Once you file for bankruptcy, the automatic stay goes into effect and all harassment from creditors must stop immediately. Any debts you have obtained a discharge on are not able to be collected on, ever. A discharge is a court order that says creditors cannot do any act to recover a debt that was discharged. If a debt collector contacts you by phone or mail, they are violating federal bankruptcy law as well as the Fair Debt Collection Practices Act (FDCPA).
If you are tired of creditor harassment, or if you have filed for bankruptcy and are continuing to be harassed, contact Minnesota Bankruptcy Attorney Gregory J. Wald for more information pertaining to your specific situation.
Gregory J. Wald, Attorney at Law
1500 Northland Plaza
3800 American Boulevard West
Bloomington, MN 55431
Telephone: 952-921-5802
Toll Free: 1-866-747-1130
Fax: 952-831-1346
BankruptcyMinn.com
Gwald314@msn.com
A good credit counselor or a counseling agency should negotiate on your behalf professionally with your creditors, so as to lower the loan margin or amount of your total loan payment.
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