Q How Can I Stop Harassing Creditor Cell Phone Calls?
There are few things more stressful than constant calls by creditors, and with mobile technology they can reach you just about anywhere.
Even worse, as more and more consumers are burdened by debt, creditors are increasingly resorting to questionable and sometimes illegal measures to collect. Our bankruptcy attorneys in Kansas City see this all the time: the phone calls are becoming more interruptive, threatening, and even obscene.
Fortunately, if you're overwhelmed by debt and want relief from the calls, you have a couple of options:
- Write a letter.
Write a cease and desist letter to each of your creditors. Each letter should include your name, address, account information and instructions as to when, where and how they may contact you. Be sure to send the letter via certified mail with a return receipt as proof the creditor received the letter.
- Consult with a lawyer.
The Fair Debt Collection Practices Act prohibits creditors from contacting you if you've retained an attorney. They have to go through your lawyer instead.
- Consider filing for bankruptcy.
If you find you're unable to pay the debts in question, filing for bankruptcy may be an appropriate way to end harassing phone calls and regain control of your finances.
Once you file for bankruptcy the court immediately issues an automatic stay that prohibits creditors from making any further attempts to contact you or to collect debts.
If the creditor violates the automatic stay you may have the right to bring the creditor before the court and be compensated. Judges take the automatic stay very seriously.
Remember, ignoring the calls and not answering the phone won’t make them go away. We can help you stop creditor harassment so you don't have to screen all your mobile calls anymore or worry about who might be on the other end of the line. GIve us a call today at 816-842-6200, or email us to schedule your free appointment.