Harassing Creditor Calls in St. Louis
The methods used by creditors in order to collect on a debt can sometimes be overwhelming. It is not unusual for collectors to call several times throughout the day and well into the evening. Their conduct and manner on the phone can be brusque, rude, and condescending, and, very often, what they say to you can rise to the level of threats and scare tactics. But a St. Louis bankruptcy will put an immediate end to this.
The reason why these tactics are so frequently employed by the creditors and collection agencies is because it works. When someone is calling you all hours of the day, screaming into your ear, while threatening to sue you, chances are you may send them money you really cannot afford to spare out of fear or simply to stop the calls. Thankfully, there is a better option.
Bankruptcy can put a stop to harassing phone calls or threatening letters immediately. Upon the filing of either a St. Louis Chapter 7 or a St. Louis Chapter 13, protection from your creditors is immediate. Your creditors are not legally able to contact you or try to collect on debts you included in your case due to the "automatic stay." If you receive any creditor calls after your case is filed, contact our St. Louis bankruptcy attorneys immediately so that we can take action against the creditor.
When creditors engage in abusive and harassing collection tactics, this behavior is illegal and punishable under the Fair Debt Collection Practices Act (FDCPA). Contact our Missouri and Illinois bankruptcy lawyers to find out if you may be able to recover from an unscrupulous creditor.