Creditor Harassment Lawyer in Fresno
You don't have to fight alone! Turn to Arnold Law Group, APC for help.
A Creditor who has not received payment or perhaps received less than the
minimum payment may pass your account to an in-house collection agency
or may sell or assign your account to a non-affiliated collection agency.
Some creditors and many collection agencies are zealous about their jobs.
In fact, many of them break or bend Federal and State laws designed to
protect consumers from undue and/or unnecessary harassment.
Oftentimes, the people calling you are working on some sort of commission.
Essentially, they may not be paid unless they are able to collect money from you.
Now upon considering this fact, add to the mix that the person who is making
these phone calls is generally ignorant or simply does not care about
the laws that protect you. In fact, they only care about getting paid
and producing results. You begin receiving phone calls at home. The collection
person attempts to elicit information from you over the telephone. Are
you still married? Do you still work? Where do you work? Are you still
using the same bank? Do you still live at the same address? Do you have
children? What are their names? Do you have a checking account? Don’t
you want to pay your bill?
This information is oftentimes built upon with each successive phone call
and used against you. As most persons feel a sense of guilt or shame by
not being able to pay their bills, they try to cooperate. The phone calls
turn threatening. Such as: "Do not make us come to your house,"
"We will be contacting your neighbors," "We will be contacting
your children’s school," "We will be contacting the police,"
etc. The phone rings throughout the day and into the night as a constant
reminder of the endless nightmare. Such harassment is not only against
the law, but it can take a real toll both psychologically and physically.
Stopping Creditor Phone Calls
Upon filing your Bankruptcy Petition, the U.S. Federal Bankruptcy Court
grants an Automatic Stay. This Stay bars creditors from making further
calls or attempting to collect their debts in other ways. A purposeful
violation of this Stay can subject the Creditor or Collection Agency to
civil and/or criminal penalties. However, upon retaining the Arnold Law
Group, APC, we send out letters to your Creditors advising them that our
law firm has been retained to represent you in your
bankruptcy case.
Upon retaining us to file your bankruptcy petition, we gladly give our
business number to your Creditors and Collection Agencies who are harassing
you. We are more than happy to speak with them and certainly will remind
them about current laws, which prevent such ongoing harassment. To learn
more about how our Fresno bankruptcy attorneys can assist you,
contact Arnold Law Group, APC now.