Coconut Creek Creditor Harassment & Debt Collection Attorney
Most people are prone to worrying about their debts, but when those debts are overwhelming, it can keep you awake and night and keep you from having productive days. When creditors are constantly harassing you, it only heightens your stress levels. This is where a Coconut Creek creditor harassment and debt collection attorney can help. At the Law Offices of Barry S. Mittelberg, P.A., our attorneys can help you keep your sanity by getting those harassing creditors off your back. We can also help guide you through the process of creating an appropriate plan for long-lasting and effective debt relief.
The Importance of Stopping Creditor Harassment
It doesn’t matter why you’ve fallen behind on your debts, and your creditors don’t care either. In fact, they can become more ruthless and relentless in their tactics to torment you and get you to pay if they know. Their tactics can range from just being obnoxious and annoying to becoming absolutely scary and even threatening.
When you file for bankruptcy, no matter whether it’s a Chapter 7 or Chapter 13 filing, we will immediately stop creditors’ harassment. The reason for this is what’s known in the bankruptcy laws as an automatic stay. An automatic stay puts your creditors on notice that you have filed for bankruptcy and that they must leave you alone while the court determines what will happen to your outstanding debts.
Creditors who wish to pursue collections will need to apply to the court for relief from the automatic stay. The automatic stay requires creditors to cease all collection activities, which can include:
- Calling you and sending letters
- Garnishing your wages
- Freezing your bank accounts
- Foreclosing on your property
- Placing a lien on your property
- Repossessing property
Not everyone wants to file for bankruptcy, which is completely understandable. If bankruptcy is not in your best interest, your Coconut Creek creditor harassment and debt collection attorney will work on other solutions with your creditors to create a payment plan or settle your debts.
Stopping Unfair Debt Collection Practices
It probably comes as no surprise to you that many debt collectors don’t follow the laws set forth regarding debt collection practices. In fact, there are laws in place, like the Fair Debt Collection Practices Act (FDCPA), that say that debt collectors cannot engage in deceptive practices, be unfair, or even abusive. If a debt collector calls you claiming to be an attorney or threatening to send you to jail, they might be the ones who are in trouble.
There are numerous activities the FDCPA prevents debt collectors from doing, like calling before 8am or after 9pm, contacting you at work after you’ve told them you can’t accept calls at work, calling other people and telling them about your debt, etc.
Contact a Coconut Creek Debt Attorney Today
In addition to the FDCPA, Florida has its own laws on unfair debt collection practices. You even have the right to sue them for violating federal and state laws. Contact the Law Offices of Barry S. Mittelberg, P.A. today to schedule a free initial consultation.