Dealing with aggressive debt collectors and creditors

On behalf of The Rollins Law Firm posted in Personal Bankruptcy on Friday, September 25, 2015.

One of the difficult things that debt problems can expose a person to is dealing with aggressive creditors and debt collectors. It is important to not underestimate the toll such dealings can take on a person.

There are a wide range of methods and tactics creditors and debt collectors use when trying to collect on a debt. Sometimes, creditors and debt collectors cross the line and engage in harassing conduct towards individuals who owe money on a debt.

An important thing to know is that creditors and debt collectors cannot simply do anything they want to collect on a debt. There are laws in place that establish protections for consumers against debt-collection-related harassment.

For example, there are a variety of different tactics third-party debt collectors are banned from using in their debt collection efforts by the Fair Debt Collection Practices Act. For a list of some of the tactics that generally run afoul of the FDCPA and for further information on the FDCPA, see this article.

Attorneys can help consumers who have been subjected to an FDCPA violation or violations of other debtor protection laws with pursuing appropriate legal actions.

Now, a creditor or debt collector action doesn't have to cross the line into the illegal and/or harassing to impact a debtor deeply. There are many types of debt collection tactics that are generally perfectly legal that can affect major aspects of a person's life. Some examples of such tactics include home foreclosure, wage garnishment and repossession of property that secured a debt.

Thus, when facing high debt, a person may desire additional protections against creditor and debt collector actions. One thing that can provide additional protections is filing for bankruptcy. When a person files for bankruptcy, it generally changes everything regarding what debt collectors and creditors can and cannot do towards the person. This is because filing for bankruptcy will generally result in an automatic stay being put in place. This stay puts a wide range of different limitations on creditor and debt collector action during the course of the bankruptcy.

Bankruptcy also has the potential to provide long-term benefits to debtors by helping them resolve their debt situation.

Bankruptcy isn't for everybody. Individuals who are contemplating bankruptcy should have a discussion with a bankruptcy attorney about whether filing for bankruptcy would be an appropriate debt relief action for them.

Client Reviews
I had a wonderful experience. The staff were nice and very informative. The process was quick and easy. Very affordable for me being a single parent. Would recommend anyone there. - Lashay H.
The Rollins firm assisted me at a very low point in my life. After having a lot of medical issues and expenses, I found myself unable to make ends meet. Mr. Rollings and his staff worked very promptly to help. They made the process so easy to complete. - Vinester Smith.
Fast response and professional advice. Really great to work with and understand what a difficult time in one’s life this is. Will recommend to anyone - Bryan Aust.
My wife and I were in an impossible financial situation where over time, we had built up so much debt that we could no longer keep up with all the payments. We were getting further and further behind until we reached out to the Rollins Law Firm for help. They have the knowledge and expertise through their experience to handle our particular situation. Their entire team of professionals are always available to answer questions, explain your options, and then provide the legal service that you need to relieve your financial worries and get you back on the right track! I recommend the Rollins Law Firm to anyone who needs help to deal with financial struggles. - Mike Zegelien.