Chicago Creditor Harassment Attorney

Defense Against Creditor Abuse & Harassment

Creditor harassment is against the law in Illinois and all other states due to protections afforded in the Fair Debt Collections Practices Act, a piece of federal legislation. The Fair Debt Collection Practices Act (FDCPA) protects consumers from a variety of unethical practices by debt collectors, and when violated, can result in filing a charge against the company or individual engaging in the unlawful debt collection practices. However, this does not mean that if you owe money (credit cards, medical bills), you cannot be contacted by letter, phone or other means. What you are protected from is a variety of harassment techniques such as profanity, calling too frequently, not identifying the company, using a false name, or making threats to expose the debt publicly to coerce payment, among other unfair practices. When facing crushing debt, and as a result being harassed by creditors or collection agencies, many individuals choose to hire a Chicago bankruptcy attorney to deal with the problem and either file bankruptcy, or have the attorney handle the creditors and negotiate the debt into a more reasonable payment.

After filing for bankruptcy, creditors are no longer allowed to contact the person who owes the debt. This is also true when an attorney is enlisted to help the client. When a lawyer is involved, the collection agency can only communicate with the lawyer involved in the case. When Chapter 7 bankruptcy has been filed, the companies are restricted and must only communicate through the court. Most of these debts will be "discharged" when filing Chapter 7, and you will no longer owe them anything. This brings a final closure to what had been a terrible and stressful situation. It is over, completely.

How a Bankruptcy Lawyer Can Help

Whether you are facing constant phone calls, letters, emails or faxes regarding debts, it is a relief to know that something can be done about it, either through enlisting the help of an attorney from the Law Office of Marc Wagman to handle the creditors and negotiate on your behalf, or to assist you in filing for bankruptcy and completely dissolving the situation. Not all individuals qualify to file for bankruptcy, but in any case, it is quite certain that something can be done about your situation. If you are being harassed and the creditor is violating the law, there are legal actions that can be taken on your behalf that can have an excellent result with regard to the debt that you owe that company. Act quickly and end the harassment and the stress.

Contact an attorney at my office today to learn more about how I can help you get through this difficult time.