The Experience You Need in Indiana When Collections Won’t Stop Calling
Need help stopping creditor harassment? We can help.
If you are receiving constant, harassing phone calls from creditors, there is a way to make them stop calling. Once you hire a lawyer to file Chapter 7 or Chapter 13 bankruptcy, by law creditors are required to stop calling you. At Weiss & Schmidgall, P.C., in Merrillville, Indiana, we offer a free attorney consultation to discuss your options if you are being harassed by creditors.
What are examples of creditor harassment?
Creditor collection actions are governed by both state and federal laws. The Federal Fair Debt Collection Practices Act (FDCPA) is specifically designed to delineate the differences between proper methods to recover debts and actions which are considered harassing. Here are some of the tactics creditors often use in their attempts to collect debts:
- Calling you 10, 15 or even 20 times a day
- Sending you threatening letters
- Calling your family members, friends or employer
- Threatening you with criminal charges or imprisonment
- Impersonating an officer (some creditors have even appeared wearing fake police badges to intimidate debtors into paying)
By law, all debt collection attempts must cease as soon as you hire an attorney — which you can do for as little as $100 down when you work with Weiss & Schmidgall. Once you notify a creditor that you have hired a lawyer, the creditor is required to stop contacting you and funnel all communication through your lawyer. In fact, should a creditor continue to harass you, you may have grounds for a civil suit to recover monetary damages.
Are there alternatives to bankruptcy?
Depending on your debts, you may have options such as debt consolidation or collections defense that can reduce or eliminate your debt without filing bankruptcy. For more than a decade, we’ve helped clients in Merrillville and throughout Indiana find the best solution to their debt and financial woes. Call 219-293-8988 to discuss your creditor harassment with an experienced bankruptcy lawyer at Weiss & Schmidgall, P.C.
Day, evening and Saturday appointments are available. Contact us to learn more and schedule your consultation. We work with clients in Lake and Porter counties of Indiana, including those as far away as South Bend and Lafayette. We also work with clients in the East Chicago/Chicagoland area of Illinois.