Stop Creditor Harassment in the Mobile Area
Have creditors started calling you at work? Have they started calling your neighbors and even made you afraid to answer your own phone? Creditor harassment is a federal crime. Creditors and debt collectors are governed by the Federal Debt Collection Practices Act, which governs what they can and cannot do to collect payments from debtors. At Gina H. McDonald & Associates in Birmingham, Alabama, our bankruptcy attorneys will stop creditor phone calls and get you the debt relief you deserve.
If you have questions about debt relief, please contact Gina H. McDonald & Associates at (205) 453-4497.
You can put an end to all creditor harassment by filing for bankruptcy. As soon as you file for Chapter 7 or Chapter 13 bankruptcy, creditors are required by law to stop contacting you. If they continue to call you, instruct them to call our offices directly, and we will make sure they leave you alone.
Fair Debt Collection Practices Act
Even if you have not filed for bankruptcy, bill collectors sometimes take steps that violate the Fair Debt Collection Practices Act (FDCPA). It is important to know that you have rights. They cannot call your neighbors or your work place for anything more than information regarding your whereabouts. If they continue to call your house, you can write a creditor-harassment letter to the collection agency, at which point they must cease all phone calls. Our bankruptcy attorneys can make sure your rights are protected.
Plaintiff Work for Debtors — Stop All Debt Collection Activities
At Gina H. McDonald & Associates, preventing creditor harassment is not all we do. After filing for bankruptcy, the court grants an automatic stay, which provides you with many benefits, such as:
- Stopping most lawsuits against you
- Preventing wage garnishments
- Stopping foreclosures
- Putting a stop to collection letters
If you continue to have problems with your creditors after filing for bankruptcy, we can help you take legal action and put an end to creditor harassment. Creditors must fix your credit report once you have been discharged of all your debts. Do not wait to protect your rights — we can help you today.
You can stop creditor harassment. We can help. At the offices of Gina H. McDonald & Associates, we understand how difficult it can be to live under the shadow of a collection agency. We want you to know that you have rights. Contact us today for an initial consultation to find out how you can end creditor harassment.
We are a debt relief agency. We help people file for debt relief under the Bankruptcy Code.
The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.