Creditor Harassment in Douglas & Cobb County

How to Stop Creditor Harassment

Growing numbers of people in our community are falling behind on their bills and struggling to meet their financial obligations. When a debtor fails to pay, creditors and financial institutions are increasingly willing to turn the debt over to a debt collection agency to enforce payment. If you are one of the many people in the country who is currently being harassed by creditors or debt collectors, it is important for you to know that you don't have to put up with harassment. An aggressive Douglas County bankruptcy lawyer can help you take effective action to put an end to the abusive practices of creditors.

Creditor harassment takes many forms, but some of the most common include:

• Calling you at all hours of the day and night, interrupting family meals and waking you up at night
• Calling your co-workers or neighbors to discuss your financial delinquency
• Speaking to you in threatening or derogatory language
• Sending you abusive or threatening letters in the mail

There are certain boundaries that a debt collector or a creditor cannot cross in attempting to get payment on a debt, and if you can prove to the court that your rights have been violated, you will not only be able to put an end to the harassment, but you may also be awarded up to $1,000 in punitive damages. Another strategy for stopping creditor harassment is to get started on the process of bankruptcy. As soon as you file, you will receive an automatic stay under the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), meaning that you will be protected by law against further contact from your creditors.

Bankruptcy Attorney in Douglas & Cobb County

At The Faucette Law Firm, LLC , we are not a large bankruptcy mill that processes thousands of cases with no time to provide personalized attention to our clients. We will get to know you by name and your case will be handled by the same attorney throughout the filing process. We provide comprehensive services, including foreclosure defense, assistance with loan modification and representation with bankruptcy. We charge a $75 filing fee to start Chapter 13 , and $306 to file Chapter 7 , along with affordable attorney fees. You can contact us any day of the week, any time of day to get started. We also serve Douglasville, Fulton County and Cobb County.

Contact a Douglas & Cobb County bankruptcy lawyer and take effective action to put a stop to creditor harassment.