Bringing Debt Collection Calls to a Halt

April 5, 2013

When you have debt, it is likely that you have had to endure the repetitive calling of collectors looking to retain payment. You are probably already worried about the never ending bills and the last thing that you need is a constant reminder. These calls can be a nuisance, an added stressor and may interfere with your life. Some creditors will go so far as to call your office and use embarrassing tactics to try to get you to pay a debt. This issue has been recognized and there are laws that can be used to protect against the unwanted interaction.

The Fair Debt Collection Practices Act looks to protect consumers against the abuse and deception that may be endured from debt collectors. Through it, creditors are limited in the times that they can call homes to between the hours of 8 a.m. to 9 p.m. They also cannot repetitively call a line and harass the person through continual ringing of the phone. Many debtors have dealt with calls at all hours of the night or that never seemed to end and this act allows relief from it. Creditors are not always going to adhere to it on their own and they may bend the rules or ignore them all together, hoping that the debtor may not know they are accountable to it.

By working with an attorney you can have your rights protected and creditors held accountable to adhere to these terms. Filing for bankruptcy can also be a great aid in this process. Automatic stay is a part of bankruptcy that with a few exceptions prevents collectors from taking action once the bankruptcy petition has been filed. Speak with a Long Island bankruptcy attorney from our firm to learn about the steps that can be taken to protect you for debt collectors’ calls or other forms of abuse.

Why Choose Jacoby & Jacoby?

Experienced and Qualified Representation

When you work with a New York bankruptcy lawyer at Jacoby & Jacoby, you have the benefit of our years of experience and our extensive resources, all at your disposal as you face these trying times. The stress and emotions associated with mounting debt may leave you feeling hopeless and lost. Thankfully, with the help of a lawyer at our firm, you can begin to take control of your finances and experience much needed relief.

By discussing your situation with an attorney at our firm, you can decide whether bankruptcy is right for you. You can learn what your options are. When you work with an experienced attorney at Jacoby & Jacoby, you will have the support and legal counsel of a professional who will know what to do to help. Finally, you can experience relief from creditors. You can stop worrying about losing your possessions or your home.

Contact our firm today, and learn more about the many ways that we can come to your aid. Call Jacoby & Jacoby at (888)452-2629.

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