5 Questions A Bankruptcy Lawyer Can Help You Answer

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Debt collection calls are very stressful, especially if you're already struggling to make ends meet because of your debt. If you're wondering how to get the debt collectors to stop calling, the first thing you should know is that there are different options available. The best way to handle these calls may be "doing nothing." However, sometimes it's best to take action by sending a letter or talking with an attorney who can help address the situation on your behalf. In this article we'll discuss some of those options and how they might affect your finances in the long run:

In some cases, it may be better to ignore a debt collector's calls.

In some cases, it may be better to ignore a debt collector's calls.

If you don't owe the debt, you can keep collectors from calling by sending them a letter and telling them to stop. If your debt has passed the statute of limitations (the time limit in which creditors or debt collectors can sue), they won't be able to sue you if they continue to contact you after this time period has passed. You can also ask for your credit report from all three credit bureaus and check for any inaccurate information related to debts that aren't yours or debts that have expired under state law.

If there are mistakes on your credit report and those mistakes affect your ability to get new loans or other financial products, such as mortgages or car purchases, contact each company directly with documentation proving that those debts aren't yours so they can be removed from the report immediately.

If you don't owe the debt, you can keep collectors from calling by sending them a letter and telling them to stop.

If you're in this situation, it's very important to know that you don't owe the debt. If a collector calls and says you owe money on a credit card or loan that was unpaid or discharged in bankruptcy, tell them that they need to stop contacting you immediately. You can send them a letter stating this request and make sure to keep copies of it for your records.

If they continue contacting you after receiving your letter, send another one asking them to stop calling altogether. If they continue calling after receiving this second letter as well, contact an attorney right away because it may be possible for them to sue (or threaten suit) against you if they believe there is some sort of legal obligation between the two parties and want compensation from any debts owed even after being discharged in bankruptcy or having written proof from collectors stating they are not responsible for any outstanding balances due on accounts closed by filing Chapter 7 or 13 bankruptcy petitions with courts throughout America

You need to file and qualify for bankruptcy protection if you want to keep a foreclosure, wage garnishment or repossession at bay.

If you're facing a foreclosure, wage garnishment or repossession and want to keep it from happening, you should consider filing for bankruptcy protection.

Bankruptcy is a legal process that allows individuals and businesses to get rid of debt by discharging ("writing off") certain unpaid debts. This can be used to stop foreclosure, wage garnishment and repossession in some situations. As one of our clients said: "The only thing that matters is getting rid of all these calls."

In addition to stopping collection calls, bankruptcy can also help give people a fresh start with their finances by wiping out their debts so they don't have them hanging over their heads anymore.

A lawyer can help get creditors to stop making annoying phone calls.

When you’re dealing with a lot of debt, you may be receiving lots of annoying phone calls and letters from creditors. A lawyer can help get the creditors to stop making these calls by sending them a cease and desist letter. The key is to be professional but firm in your letter, stating that you are working on getting your finances in order while making it clear that they need to stop contacting you until further notice. The cease and desist letter will also let them know that if they continue contacting you, you will take legal action against them for harassment – this should be enough for most creditors to back off!

Even if you are able to send letters that tell creditors to stop contacting you, odd things may happen. A creditor may simply ignore your request and continue making calls. In this case, you might need help from an attorney who can talk with the creditor on your behalf (and in most cases get them to stop). You also have options for filing a complaint with the FTC or filing bankruptcy.

Stopping the harassing phone calls isn't always enough.

If you’re facing debt collection calls, it’s a good idea to talk to a lawyer. Legal counsel can help you understand your options and make the best choice for your financial situation.

A lawyer can also be helpful if you have questions about bankruptcy or debt elimination strategies like skipping payments on some of your bills, making monthly payments on others, paying off debts with credit cards or changing the payment date for one account.

If you feel like ignoring these harassing phone calls isn't enough and want to take action, then consulting with a lawyer may be a smart next step in eliminating debt collectors' threats and harassment once and for all.

A bankruptcy lawyer can help you decide what's best for your unique circumstances.

If you're struggling with debt, a bankruptcy attorney can guide you through the process of choosing which option is best for your unique circumstances. After reviewing your financial situation and assets, a lawyer will help you determine what debts are dischargeable—meaning they won't be repaid in full or at all—and which ones must be paid off. A lawyer can also help file paperwork and deal with creditors as well as prevent debt collection calls and lawsuits from being filed against you. Finally, a lawyer may be able to negotiate with creditors on your behalf to reduce interest rates or monthly payments until the debt is paid off completely (or as much as possible).


If you have questions about how to handle debt collectors, a bankruptcy lawyer can help.