Stopping Creditor Harassment
Restore Peace of Mind
If you are overwhelmed by debt, you may have stopped answering the phone. You may have even stopped looking at your mail. Of course, that is rarely enough to stop creditors who want to collect on credit card debt or any other debt. They will try to get in touch with you at work. They may even call members of your family. The stress is enough to drive a person crazy.
At the Law Offices of Phil Hineman, P.C., we use our more than 28 years of experience to help people keep their sanity by stopping creditor harassment. We know that there is one method that is successful time and time again in accomplishing that goal. That method is bankruptcy.
How Does Bankruptcy Stop Creditor Harassment?
As soon as bankruptcy is filed, an automatic stay goes into place. This stay sends a message to all creditors that they need to stop the phone calls. They need to stop sending letters. In fact, they need to stop everything. Both Chapter 7 and Chapter 13 can effectively stop creditor harassment.
Of course, if a creditor was violating the Fair Debt Collection Act in the first place, they may not be willing to follow the rules. After bankruptcy, if any creditor makes contact with you, we ask that you refer them to us. They are in violation of the Federal
Bankruptcy Laws. They can not contact you and Attorney Phil Hineman will remind them of the sanctions the court will impose if they continue to violate the law. This is usually all it takes. You want this to be a permanent solution, and that’s the value of bankruptcy. This process is designed to help you get your debt under control so that you don’t every have to deal with creditor harassment again. This is a permanent solution.
The Importance of Acting Now
We encourage people to get in touch with us as soon as possible if they are victims of creditor harassment. While we understand that this is a difficult decision, we also know that there are opportunities that could pass you by if we don’t move quickly. We don’t want you to miss out on anything that could be used to improve your financial future.
Contact Us for a Free Consultation and Fast Action
Contact us to discuss your case with an experienced lawyer serving the Phoenix metro area and the surrounding parts of Arizona. We are ready to act quickly to get you the results you need.