How to Stop Creditors From Calling You Today

Posted on: March 12, 2015

How To Stop Creditors From Calling You Today

If you are struggling to make ends meet and satisfy your creditors' payments, you're not alone. Many people across the state of California are having difficulties paying their bills as a result of today's changing economy. Creditors can be ruthless when it comes to collections, and they will often harass debtors by calling them constantly, sending multiple letters in the mail, and even threatening to take legal action against you. If you are being harassed by creditors, here's how you can make them stop.

File For Bankruptcy

Although filing for bankruptcy may feel like a "last resort," it actually can be a very helpful tool to get to a financially stable position where you're able to pay your creditors on time each month. Regardless of whether you file for a Chapter 13 or a Chapter 7 bankruptcy in California, filing for bankruptcy can help you start over with a clean financial slate.

The Automatic Stay

When you file for either type of bankruptcy, something called an "automatic stay" will go into effect. This means that your creditors must cease all collection activity. They will no longer be able to call you at home or at work, or send collection letters or emails. The automatic stay gives many debtors immediate relief from multiple collections calls or harassment, and can help relieve much of the stress of being behind on your bills.

Even if a creditor has filed a lawsuit against you or is threatening legal action, they must abide by the automatic stay laws set forth by the United States Bankruptcy Code. While there are a few cases in which a creditor may still be able to pursue action, such as if your landlord has a judgment against you before you file for bankruptcy, these situations are quite rare.

Contact a Riverside County Bankruptcy Attorney Today

The prospect of filing for bankruptcy can seem overwhelming or frightening, but it doesn't need to be. By contacting an experienced Riverside County bankruptcy lawyer, you can explore the legal options available to you and how an automatic stay can help you in your specific situation.

At Farhat Law Firm, APC, we have worked with dozens of clients who were being harassed by creditors and were successfully able to halt all collection activity through filing for bankruptcy. We understand that filing for bankruptcy can be challenging, and we are committed to walking our clients through the process of a successful bankruptcy step by step. We are able to answer your questions and address your concerns, and we will work hard to provide you with the comprehensive legal representation that you need.

Contact us today for a consultation to discuss your next move by calling (951) 808-0529. We are available now to assist you.