How to Stop Creditor Harassment
The excessive letters. The harassing phone calls. The threats of repossession, home foreclosure and legal action. Maybe you've experienced one or two of these types of creditor collection activity, or maybe you are struggling with them all. Either way, the creditor harassment is frustrating and you want it to stop.
Fortunately, there is a way to put an end to the creditor collection activity and William F. Bulchis, Inc., P.S., can help you understand how. Contact us today.
Almost 35 years of assisting western Washington and Alaska residents who were struggling with their mortgage bills, car loans and other debt has given Lynnwood bankruptcy attorney William F. Bulchis the knowledge needed serve as a solid legal resource for you.
When you call our law office, he can help you understand how filing Chapter 7 or Chapter 13 bankruptcy can benefit your overwhelming financial situation.
Why Chapter 7 and Chapter 13 Bankruptcy Will Help You
When you file for either Chapter 7 or Chapter 13 bankruptcy, an injunction known as an automatic stay will stop all creditor collection activity including letters, phone calls, foreclosure proceedings, repossessions, garnishments, leans, levies, attachments and lawsuits.
Because of the expediency of filing for bankruptcy electronically, the automatic stay goes into effect as soon as the court receives your bankruptcy over the Internet.
An automatic stay in a Chapter 7 usually lasts 45 days, but the length can also be affected by claims from secured creditors.
Illegal Creditor Harassment
Not all creditor collection companies comply with the Fair Debt Collection Practices Act (FDCPA). Though the act was put in place to protect individuals from abusive collection behavior, some collectors still engage in the following:
- Call your home or cell phone before 8 a.m. or after 9 p.m.
- Misidentify themselves when they contact you, ie., tell you they are attorneys
- Contact your family members or neighbors for other information about you besides your contact information
- Use profanity
- Threaten to send you to jail and take all of your property, or other violent activity
Have you experienced any of this behavior from collectors? If so, contact our law office. We can help you protect your rights under the FDCPA.
Contact William F. Bulchis Today
Do you want to stop harassing phone calls and other creditor collection activity? Call Washington lawyer William F. Bulchis, Inc., P.S., today at 425-329-6587, or contact us online. We represent clients in Lynnwood, Washington, and Snohomish, King, Island and Skagit counties who need assistance with Chapter 7 and 13 bankruptcy. Let us help you get a fresh financial start. Our business hours are 8 a.m. to 6 p.m. Monday through Friday.
