We Put An End To Creditor Calls And Letters

What would it feel like to be able to answer your phone again without experiencing the embarrassment and anxiety of having a creditor or collection agency on the other end? At the Hartford area, The Law Offices of Ronald I. Chorches, our accomplished attorneys can provide you with the powerful tool of automatic stay. As soon as you file for Chapter 7 bankruptcy, creditors and collection agencies are forbidden from contacting you or proceeding with any collection efforts or legal actions. If they do so, you can take legal action against them.

What You Should Know About The Fair Debt Collection Practices Act

The U.S. Fair Debt Collection Practices Act was enacted in 1977 and amended in 1996. It was designed to protect consumers from "abusive, deceptive, and unfair debt collection practices." If creditors or collection agencies continue to contact or harass you once you have filed for bankruptcy, they are in violation of the law and they know it. You have the right under the automatic stay provision of the United States Bankruptcy Code to file suit and collect monetary damages.

The Fair Debt Collection Practices Act prohibits creditors from:

  • Contacting you at work without your permission
  • Yelling at you or verbally abusing you
  • Lying to you to collect a debt
  • Threatening to garnish your wages
  • Threatening to arrest you if you don't pay
  • Continuing to call you after being requested in writing to stop
  • Calling early in the morning or late at night

Let Us Help You Stop Creditor Harassment

For a free, confidential consultation about Chapter 7 bankruptcy and how you can stop creditor harassment, please contact us online or call The Law Offices of Ronald I. Chorches at 860-952-3878.