The constant telephone calls, the never-ending e-mails, the over-flowing past due notices. Creditors can be ruthless and heartless when they are attempting to collect a debt. Some use threatening scare tactics in an attempt to get those overwhelmed by debt to cough up every last cent that they have.
We have had clients that have walked through our doors who have told us that they have made payments to creditors instead of buying groceries for their family. They have admitted they are terrified of their creditors, of being served a court summons, or have even been threatened with jail time! They are embarrassed and worried that if they do not repay their creditors their creditors will begin contacting and harassing friends, families, employers, loved ones.
Creditor harassment is being kicked while you are down.
So, how can you get them to stop?
The fastest and most effective way to get your creditors to stop contacting you is to file for bankruptcy. The wonderful thing about bankruptcy is that it isn’t a temporary Band-Aid. Not only will filing for bankruptcy immediately cease all communication with those nasty creditors –it will wipe away the debt for good!
Sure, you may be able to get your creditors to stop calling you by writing a cease and desist notice, but the debt with those creditors will remain. Your creditors can still attempt to sue you or proceed with getting a judgement against you.
Filing for bankruptcy stops all of that in its tracks! The Automatic Stay that is granted to a debtor during bankruptcy proceedings protects the debtor from being collected upon and from having creditors contact them directly. This can be a HUGE weight off of your shoulders –especially if you are sick and tired and overwhelmed by harassing creditors.
Conclusion
File bankruptcy with Kain & Scott. We are MN’s NICEST bankruptcy law firm! Visit our website www.kainscott.com to learn more and to request a FREE, NO-OBLIGATION consultation today!