Central Florida Automatic Stay Attorneys
When you get behind on bills, creditors become more and more insistent about repayment each day. You receive aggressive phone calls and letters that threaten escalated consequences of not paying off your debt. You have protections available to end this creditor harassment.
People know when they are not paying their bills. Aggressive and inconvenient phone calls only serve to harass and frustrate individuals already concerned about their financial stability. At the law firm of Richard A. Heller, P.A., our Orlando creditor harassment attorneys understand how people feel when faced with debt collectors. During a free bankruptcy consultation, we can explain your options to end harassment and move toward a fresh start.
- Fair Debt Collection Practices Act: Even before a bankruptcy is filed, creditors have very strict rules and regulations that they must follow while attempting to recover money. The Fair Debt Collection Practices Act was enacted to establish guidelines that collection agencies must follow. There are guidelines regarding when they can call, who they can call, and what they can say. Many creditors will attempt to contact you at work, contact your family members, or threaten you with criminal prosecution. These activities are generally all against the law. An experienced attorney can explain this act in much more detail in person.
- Automatic stay: Once a bankruptcy is filed, all creditor harassment must end. Essentially, the automatic stay ends harassing phone calls, lawsuits and garnishments that an individual is facing due to financial difficulties. Bankruptcy gives individuals significant rights to allow you to hold a creditor liable for damages if he or she continues to harass you after your filing.
These protections serve as an immediate sense of relief for individuals struggling against a seemingly insurmountable wall of debt. Clients who file for bankruptcy often feel more at ease knowing that they have started on the path to financial stability. Schedule a free bankruptcy consultation with a lawyer at our firm to learn more about how Chapter 7 or Chapter 13 can help you.
Professional Legal Services
Have your case handled by an attorney with the experience necessary to provide you with the level of representation you deserve. Contact us today. We offer free initial consultations for bankruptcy and family law matters.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
