Will Bankruptcy Stop Creditor Harassment?

One of the most stressful aspects of being in debt is the constant calls from creditors and debt collectors. All too often, they resort to rude tactics and unfair threats to try to get payments, as if you have not been doing everything possible to get caught up. Even when they are professional, they still may be calling at all hours, over and over, making it hard to even consider answering the phone. Thankfully, filing for bankruptcy does stop creditor harassment.

The Automatic Stay

Once the bankruptcy petition is filed, an automatic stay goes into effect, which legally protects you from creditor calls and other collection actions. That means no more phone calls, no more emails, no more letters. Nothing. You will be able to hear the phone ring without fearing that you are going to be harassed by someone who thinks you can magically conjure up money that you simply do not have.

Of course, the goal of bankruptcy is not just to temporarily stop creditor calls, but to stop them for good by eliminating your debt. With the help of an experienced attorney, you may be able to overcome your debt once and for all. You can put your debt, and all the creditor harassment that has come along with it, in your past.

At Schwartz Bankruptcy Law Center, our lawyers will field any calls from creditors on your behalf, should they continue calling while your bankruptcy is in progress. As a law firm that takes pride in providing personal attention, we will let you know from the start that we are here to resolve all issues, including taking care of creditors who may choose to ignore the automatic stay. We will always be available as we guide you forward into a debt-free future.