Creditors often use annoying tactics that frighten or embarrass the person who owes them money. Intimidation is a powerful but improper way to put pressure on debtors. Lack of knowledge about debtor’s rights prevents many people who have debt from complaining about harassing phone calls or other disrespectful acts. The attorneys at the Law Offices of David Kohm are experts on bankruptcy law and specialize in making sure that your creditors respect your rights.
Protection from Harassment
Filing for bankruptcy gives you a way to make your creditors stop bothering you at any hour of the day at home or at work. The attorneys at the Law Offices of David Kohm use the provisions of the bankruptcy law to preserve your rights as they help you get your financial life in order.
Some debtor’s rights during the bankruptcy process include the following.
- Debt collectors may not call you earlier than 8am or later than 9pm.
- Collectors are not allowed to call you repeatedly as a way to annoy or abuse you.
- Your workplace is off limits to creditors after you ask them to refrain from the practice.
- Collectors may not contact you after you send a letter requesting an end to communication with them.
- Your neighbors or co-workers have no reason to know your private business, and collectors are prohibited from giving them information about you.
A Powerful Tool
One of your strongest defenses against harassment by debt collectors is an Arlington bankruptcy attorney. When it is clear that you have legal representation, collectors are not allowed to contact you for any reason. Your attorney is ready to defend your right to enjoy your private life without the overreaching practices of abusive debt collectors. You can stop collection phone calls when you have legal representation.
You are entitled to an automatic stay when you file for bankruptcy, but creditors may act to lift it. Call the Law Offices of David Kohm at 817-204-0900 to take advantage of a free initial consultation.
