Bill Collectors want only one thing from you! Money! Money is the only thing that will stop them from calling you and writing you unless you have a bankruptcy attorney! If you have an attorney, you at least have someone to tell you the truth about what the Bill Collector legally can and cannot do. And this takes away the ability of the Bill Collector to use scare tactics on you.
Then, once you get your bankruptcy case filed that's it. The Bill Collectors have to Stop COLD! By filing you in bankruptcy, we take the monkey off your back and give you some breathing space because after you file, the Bill Collector has to contact us. After you file, it is illegal for the Bill Collector to continue any collection efforts. And that means no more nasty calls, no more "dunning" letters, no more calls at work and hopefully no more sleepless nights.
After you file You simply refer all Bill Collector calls over to us! You then hang up and we handle the rest! Bill Collectors hate this. You know why? It's simple. Now the Bill Collectors have to talk to our Attorneys and they hate it because they know that our Attorneys know the law! They know they can't push around our Attorneys or get their way using misinformation, illegal threats, or scare tactics. Once you file, the Bill Collectors are no longer in control. YOU ARE!
Not all Bill Collectors are nasty and use scare tactics we know that but from our experience rest assured that the Bill Collectors don't have your best interest in mind and forget about them helping you through a difficult time! They only want money!
Using bankruptcy You can get the help you need and deserve and get the Bill Collectors off your back. It's Federal Law and it's your legal right!
We can help!
Call now for a FREE Debt Consultation! 800-966-8447
Stop Harassing Phone Calls!
Anyone who has ever been the victim of nasty or harassing phone calls from the Bill Collectors knows that those calls can be not only bothersome, but in many cases extremely unsettling, frightening and even intimidating. Questions arise in your mind. Can they really do what they threaten? Can they really come take my stuff? It is O.K. for them to call me at work? Do I have to put up with this? Don't I get credit for all the payments I have made over the years?
Worse still is the name calling. Nobody likes to be called a deadbeat or a loser, but that's just what some Bill Collectors do. You always paid your bills in the past. You work hard. You are honest. You don't deserve this treatment.
The bottom line is that the Bill Collector will in our experience say whatever it takes to get you to write a check. And the more the Bill Collector gets the impression that you are uncomfortable the more the Bill Collector likes it. Why? The Bill Collector knows you want to pay your bills and that you feel terrible if you don't and the Bill Collector feeds off of this. The more uncomfortable the Bill Collector can make you, the more likely you will write him a check just to get him off your back. You see it's all about money. It always is. Think about it. Nice Bill Collectors who feel sorry for people don't stay in the business. So, who's left the ones who just don't care about you or what you think.
Worst of all are the embarrassing calls you get at work. These calls are not only embarrassing. If the calls continue, they can lose you your job. So what do you do?
Want to stop those harassing phone calls? You can, but it may take filing bankruptcy. What's the alternative? If you don't file bankruptcy it's more or less open season on you and your feelings. The nasty calls keep coming and even though the law says Bill Collectors can only call you at certain times and certain places these rules get violated in our experience every day, on a regular basis. Why? Because these laws are hard to enforce and don't have the "teeth" they should. The penalties for violating them are small compared to the money to be collected by violating them. And this all assumes you can figure out who made the call and from where. Is it any wonder than some Bill Collectors use fake names and that many Bill Collectors call from outside your State. Who are you going to sue? You don't really know who called you.
Filing bankruptcy changes all that. The Federal Bankruptcy laws are so powerful that even nasty Bill Collectors come under control. You file and calls come to a halt taking only the days or weeks necessary for word to make it to the Bill Collectors. How does this happen? As soon as you file, the Bankruptcy Court issues an order telling all Bill Collectors to leave you alone and they do. Why? Because nobody wants to be dragged in front of a Federal Judge upon a Contempt of Court charge.
If you can't pay all your bills, and the calls at home and work have gotten out of control and you're stressed to the max you have a choice. Do nothing and live with the stress or look into filing bankruptcy and STOP THE CALLS COLD.
What types of debt collection practices are not allowed?
HARASSMENT
Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:
Use threats of violence or harm;
Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
Use obscene or profane language;
Repeatedly use the telephone to annoy someone;
Call before 8AM or after 9PM; or
Threaten that you will be arrested or jailed for failure to pay.
FALSE STATEMENTS
Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
Tell you that they are attorneys or government representatives, when in fact they are not;
Falsely imply that you have committed a crime;
Misrepresent that they operate or work for a credit bureau;
Misrepresent the amount of your debt;
Indicate that papers being sent to you are not legal forms when they, in fact, are;
State that you will be arrested if you do not pay your debt;
Threaten to seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is a legal action; or
Threaten that actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
In addition, debt collectors may not:
Give false credit information about you to anyone, including a credit bureau;
Send you anything that looks like an official document from a court or government and is not an official document; or
Use a false name in their attempts to collect your debt.
UNFAIR PRACTICES
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
Collect an amount that is greater than your debt, unless your state law permits such a charge;
Deposit a post-dated check early or use deception to make you accept collect calls or pay for telegrams; or
Take, or threaten to take your property unless this can be done legally, or contact you by postcard.
The Fair Debt Collection Practices Act of 1996 can be read in length at the Federal Trade Commission's Website here.
Even if you owe the debt, or you cannot pay it, you still have rights protected under the law! (FDCPA)
In order to preserve your rights under the law, it is important for you to keep good records of all of the contacts. The following are important steps you can take:
Save copies of all letters and notices from collection agencies.
Save all of your phone messages and voice mails.
Make a notation and keep good records of all of your conversations with these bill collectors. You can also contact us to get a collection diary form and use it to keep strict records of all the contact you receive from your debt collectors. If you want to create your own collection diary form, please be sure to use the following headings so that you can get as much information as possible.
Date of call (month/date/year)?
Exact time of call?
How many minutes did the call last?
Was it a phone call, voice mail, letter or paper message?
What was the collector’s name?
What was the collection agency name and telephone number?
What did the collector say?
Amount demanded?
Payment terms?
Threats? Profanity? Harassment? Legal Action?
Calls to friends and neighbors?
Abuse? Get as much detailed information here as possible.
If you are being harassed by a bill collector, call us. We may be able to help. Get in touch with us and we will show you what we can do. Just like with our bankruptcy services, the first consultation is totally FREE. You have nothing to lose.
Call and learn more. We can help!
Call today to set up a FREE Debt Consultation.
Call toll free 1-800-966-8447
