Stopping Creditor Harassment in Las Vegas
One of the most stressful consequences of debt problems is dealing with debt collectors. Debt collectors are individuals or companies that purchase bad debts or collect debts on behalf of the original creditor. Some lawyers meet the definition of a debt collector.
Many debt collectors follow the requirements of laws protecting consumers from creditor harassment, such as the Fair Debt Collection Practices Act. Unfortunately, there are just as many debt collectors who do not abide by these laws. These individuals and companies may use aggressive and illegal tactics to collect debts.
Examples of creditor harassment that is illegal includes:
- Repeatedly calling you at all hours of the night and day to harass you.
- Calling you at work when you have said that you cannot receive calls at work.
- Using threats and intimidation or profane and obscene language.
- Telling you that you are going to jail if you do not pay the debt.
- Threatening to or publishing lists of people who do not pay their debts.
- Telling you that they are an attorney or law enforcement officer when that is not true.
- Threatening to file lawsuits without any intention of doing so.
- Claiming that they can come to seize your assets if they do not have the right to do so.
Creditor harassment can be frightening and stressful. If a creditor is harassing you, contact our Las Vegas bankruptcy lawyers. We explain your legal rights and your options for stopping creditor harassment during a free, no-obligation consultation.
Filing a Complaint to Stop Creditor Harassment
You can file a complaint with several agencies to report creditor harassment. Examples include the Consumer Financial Protection Bureau and the Federal Trade Commission. You may also file a complaint with the Nevada State Attorney General’s Office and the Better Business Bureau. In some cases, you can file a civil lawsuit seeking damages for creditor harassment.
However, filing complaints and lawsuits can be time-consuming and may not give you the outcome you desire. If you owe the debt, your best way to deal with creditor harassment may be to get rid of the debt. Bankruptcy might give you the results you want quickly and efficiently.
Filing Bankruptcy in Las Vegas to Stop Creditor Harassment
When you file a bankruptcy case, creditors must cease all debt collection efforts. Under the automatic stay provisions of the Bankruptcy Code, creditors must obtain bankruptcy court permission before resuming debt collections.
Filing bankruptcy stops:
- Creditor calls
- Threatening letters
- Debt collection lawsuits
- Wage garnishments
- Other forms of debt collection
The automatic stay gives you a chance to resolve the underlying debts that resulted in creditor harassment. The automatic stay remains in effect throughout your bankruptcy case or until the bankruptcy court modifies it.
Through Chapter 7 and Chapter 13, you can discharge debts that you cannot afford to pay. A creditor or a debt collector is prohibited from attempting to collect a debt that is discharged through bankruptcy. You stop the creditor harassment, but you also get rid of the debts that were causing you stress and worry. You have a fresh start that is free from debts you cannot pay and debt collection efforts to rebuild and recover after a financial hardship.
Contact Our Las Vegas Bankruptcy Attorneys for a Free Case Review
Are you ready to explore your options for debt relief? Are you ready to end creditor harassment forever? If so, the legal team of Your Vegas Lawyers is ready to help you.
Through a bankruptcy filing, you can eliminate debts and keep your property safe from creditor actions. However, we want to make sure that bankruptcy is right for you.
Our lawyers review your situation and then explain your options for getting out of debt. They review the benefits of filing bankruptcy and any downside of filing bankruptcy in your situation. When you finish your free case review, you will have the information you need to decide if a bankruptcy filing is the best way for you to get out of debt.
Contact our office today to schedule your free consultation with an experienced Las Vegas bankruptcy attorney.