Stop Creditor Harassment

Placing each Client in the Best Position to Succeed

Creditors can be relentless. Ask anyone who is struggling with overwhelming debt.  Countless people throughout Utah are bombarded with constant phone calls. Going through debt is already stressful. The situation can make anyone feel helpless. But there are solutions. If you are tired of debt collectors calling and harassing you about a debt you owe, or if you fear picking up the mail and getting another collection letter threatening some type of legal action, we may have a solution for you. When you file for bankruptcy, a provision in the law called the automatic stay requires that all collection activity stop immediately upon the filing of your bankruptcy petition. The first step is to seek representation with a bankruptcy attorney with a track record of protecting the rights of clients and their best interests.

My name is Justin M. Myers and I am a Salt Lake City bankruptcy attorney. Getting the right legal advice can help save clients a tremendous amount of stress. The first step is to properly educate the client about their rights. Once your bankruptcy petition is filed, a notice is sent out to all the creditors in the petition notifying them of your bankruptcy and the automatic stay. Once the creditor has been notified, all phone calls, letters, lawsuits, foreclosures and repossession actions must stop immediately. If any creditor attempts to collect a debt after you have filed for bankruptcy, refer them to your bankruptcy lawyer.

Protecting Your Rights Against Creditor Harassment

Nobody deserves to endure constant harassment. Many people struggling with debt are unaware of laws protecting people Creditors who continue to pursue collection activities after they have been notified of the automatic stay are in violation of a court order. At the Salt Lake City, Utah-based law office of Justin M. Myers, Attorney-at-Law, LLC, we work diligently to see that your rights are respected. We have helped many clients whose creditors failed to acknowledge debtor’s rights under the automatic stay.

We are committed to helping our clients through the entire bankruptcy process and doing everything we can to ensure that everything goes smoothly. We will be there with you at every step, from the filing of your petition to the final discharge. We will be there for you at all times to address any questions or concerns including creditor harassment and any other issues that may arise.

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CHAPTER 13 BANKRUPTCY

CHAPTER 13 BANKRUPTCY INVOLVES THE REPAYMENT OF DEBT OVER A THREE TO FIVE YEAR PERIOD ACCORDING TO A COURT APPROVED REPAYMENT PLAN.

Along with a bankruptcy petition and supporting documentation, people filing for Chapter 13 bankruptcy will also need to include a preliminary repayment plan which is usually developed during credit counseling. After the creditors meeting you will attend a meeting to confirm your repayment plan. Once your repayment plan has been successfully completed, you will receive a discharge of your debts.

CHAPTER 7 BANKRUPTCY

Before your bankruptcy petition is filed, you will need to take a means test to see if you qualify for Chapter 7 bankruptcy

A The means test measures your disposable income against that of other Utah citizens and ensures that your application for bankruptcy is not an abuse of the system.

After the creditors meeting has been completed, the trustee will identify your exempt property and your nonexempt property. Your nonexempt property may be sold at auction and the funds used to repay your creditors. If your trustee decides that none of your property can be sold, you would lose nothing.

After the funds, if any, have been distributed to your creditors, you will receive a discharge and will no longer have any personal responsibility for those debts.

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INITIAL CONSULTATION

It can be easy for even the most responsible person to fall into overwhelming debt. But does not have to be impossible to get out. The first step is to seek representation from a Salt Lake City bankruptcy attorney with a track record of protecting the rights of clients and looking out for their best interests. Contact our office today to discuss your bankruptcy questions with a lawyer. We are available during regular business hours and by appointment evenings and weekends. You can reach us by phone at 801-505-9679 or via e-mail.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

How Do You Stop Creditor Harassment?

It is the worst sound in the world. For countless people in Utah, the constant sound of their telephone ringing from creditors is enough to drive anyone crazy. Avoiding your phone is no way to live and neither is the helpless feeling of debt. Rather than go through a stressful holiday season, there are some solutions to help put an end to the calls and go on with your life. The first important step is to get help. The worst mistake many people in debt make is hoping the phone calls go away on their own. One of the best places to start is to seek advice from an experienced and knowledgeable Salt Lake City bankruptcy attorney.

Know Your Rights!

One of the important jobs of an attorney is to educate clients about their rights. Creditors often try to intimidate those in debt by using scare tactics. However, many of these tactics are illegal. By knowing your rights, it can often make the difference between resolving your debt issues or allowing the problem to get worse. There are laws already in place designed to protect consumers from creditor harassment. For example, creditors are not allowed to call your home before 8 am or after 9 pm. They are also now allowed to talk to your employer or any other members of your family. To put a stop to the calls, simply tell the creditor to stop. In addition, make sure you follow up with a certified letter detailing the specific information you gave to the creditor.

Get To Know The Fair Debt Collections Practices Act

One of the most important laws designed to protect consumers from creditor harassment is the Fair Debt Collections Practices Act. The law contains a series of provisions that specifically address when creditors can call, what they are permitted to say and how often they are allowed to speak to those in debt. The Fair Debt Collections Practices Act prohibits the following.

  • Using deceptive language or conduct
  • Calling people repeatedly
  • Calling people at their workplace
  • Calling people at unreasonable hours
  • Discussing your debt problems with members of your family, friend, neighbors of employers
  • Publish your name
  • Make threats of taking away child custody, welfare benefits or to have you arrested
  • Using derogatory, obscene and insulting language
  • Failing to provide the collector’s correct identity
  • Threatening to make an unauthorized repossession
  • Contacting a person in debt who is already represented by an attorney

Are You The Victims of Creditor Harassment? Salt Lake City Bankruptcy Attorney Justin M. Myers Can Help

Dealing with debt is already a complicated process. But it can become even more stressful with the constant harassment from creditors. Fortunately, there are solutions. It begins with hiring a legal professional with a track record of protecting the rights of each client and looking after their best interests. Salt Lake City bankruptcy attorney Justin M. Myers understands the challenges and obstacles of those struggling in debt. He and his legal team utilize a personable and comprehensive approach to help clients resolve their debt problems as quickly and smoothly as possible. Whether you are seeking to file for Chapter 7 or Chapter 13 bankruptcy, he and his staff can help you navigate effectively through the legal process. To learn more, contact their Salt Lake City law office today and schedule a consultation to discuss your case.

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