Individuals who are facing financial hardship in Michigan can use bankruptcy as a helping tool to obtain a fresh start and stop creditor harassment. It’s not the end of the world as some seem to think, but rather, bankruptcy is a government-approved way to extract oneself from a drowning pool of unmanageable debt. Rest assured that many other persons living in the Detroit area, southeast Michigan and elsewhere in this struggling state are going through similar economic problems right now.

Bankruptcy is a legal tool that is limited in availability; a person can only go bankrupt once in seven years. This restriction benefits both the debtor and the creditors. Debtors obtain a chance to do better and to stop creditor harassment; creditors have some security in later years that if they extend credit to those who have declared bankruptcy that their interests are protected by the limitation.

Bankruptcy is also a path you can take to get relief from collection actions and threats. Actually, threats are not allowed and creditors who do this can be punished through the legal system. If you are being threatened, do not ignore it; report it to your Michigan bankruptcy attorney for prompt action. These activities are illegal under the Fair Debt Collections Protection Act (FDCPA) and you have power to stop those calls.

Being harassed by creditors is one of the worst things that can happen when you have financial problems. The incessant phone calls interrupt you at almost all hours, supposedly only within legal limitations. Unscrupulous collection agencies often ignore those laws and call anytime, and some even go so far as to verbally abuse and launch threats against debtors. Much of this activity is against the law; debtors do have a legal course to follow if they are experiencing creditor harassment.

When you file for bankruptcy protection, all collection activities must cease and creditors must provide proof of a balance due. You may need to provide them with proof of fling or a letter from your bankruptcy attorney to stop calls, but you do have the law on your side for stopping creditor harassment.

Reasons to Get Legal Protection against Creditor Harassment

• Harassing debtors is against the law
• You deserve peace of mind from harassment activities
• No one should threaten you about overdue account balances
• Collectors cannot publish your name or bills information
• Collectors cannot use obscene or profane language
• Collectors cannot pretend to be anonymous; they must identify themselves
• You may collect up to a $1000 fine from a judge and your attorney’s fees if collectors harass you

If you are having severe financial problems and cannot pay your bills, or if you are currently being harassed by creditors, it is time to contact your Detroit attorney’s office to make an appointment to discuss your situation. Usually there is no charge for an initial consultation; this could be the opportunity you need to get relief and start over. You are not a criminal; you just owe bills. Call 248-642-5400 now for relief!