Creditor Harassment

One of the most difficult times before you decide to file for bankruptcy is the constant contact by your creditors. The phone rings incessantly with a bill collector on the other end; every day the mailman brings more letters threatening legal action. It seems as if there is no hope, and no light at the end of the tunnel. You explain you have no money to pay right now, you try to bargain or put them off, but then what? Finally, you just don’t answer the phone anymore. That is no way to live – afraid of who is on the other end of the phone.

The Fair Debt Collection Practices Act was put into place by congress to assist you. The law specifies that a collector has to stop contacting you if you tell them to stop. It also states that your request must be in writing; therefore, you should tell them to stop calling you – both at home and at work. Then make sure to follow it up in writing. To be sure that you can prove they received your written request, you should send a certified letter.

To assist you during this trying time, you need the services of a caring and compassionate bankruptcy attorney. To discuss the particulars of your Chapter 7 Bankruptcy case contact The Law Offices of Sasha Tymkowicz in Santa Ana at 714/835-8866 to schedule your free initial consultation today. Sasha can make all the difference in the outcome of your legal case. You can rest assured that you will have the right representation to obtain the best and most favorable outcome with your legal matter.