It’s likely that everyone will incur a small bit of debt throughout their lives. Debt can become unmanageable however when people stop taking responsibility for it. When debt continues to climb and he gets to the point where it’s unmanageable and payments are missed, it’s not long before creditors start calling. When debt collectors start to contact people regarding debts they can often be extremely persistent. It’s not unusual for debt collectors to start calling relatives, places of employment, friends, and more. Rather than having these calls affect your reputation or your professional standing, you can stop debt collection harassment.
Here are some of the top ways to get debt collectors to stop calling:
Talk Your Employers
If you speak to your employer and let them know that they could receive these kinds of calls, it’s possible that your employer could relay that information to a debt collector. Under the fair debt collection practices act, your employer can legally ask a debt collector to stop calling you at work. When they tell the debt collector that they have to stop calling, they must legally cease calling that number.
Consider Bankruptcy:
By filing for bankruptcy you will have an automatic stay placed on your financial accounts where creditors will no longer be able to contact you to gather payments for your debts. Just by applying for bankruptcy, you will create an automatic stay on your account. When you have a chapter 13 Baker tiered payment plan in place or a chapter 7 bankruptcy filing, you will not receive any calls from your creditors unless you go against the agreement of your bankruptcy.
Contact our attorneys today if you need assistance in getting debt collectors to stop calling. We can work as your representative and prevent these harassing calls.
This article was written by Alla Tenina. Alla is one of the best bankruptcy attorneys in Los Angeles California, and the founder of Tenina law. She has experience in bankruptcies, real estate planning, and complex tax matters. The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.