Putting a Stop to Threatening Phone Calls and Letters
Is your phone ringing at all hours with calls from creditors harassing you to make payments on your debts? Are you receiving calls at work, causing embarrassment in front of your boss and co-workers? Have you been gotten letters that threatened serious consequences like foreclosure, repossession, lawsuits and wage garnishment?
One of the most powerful rights you have under bankruptcy law is the right to stop creditor harassment by filing for bankruptcy. At the Law Offices of James A. Pixton in Oakland, Alameda and Modesto, California, we can help you decide whether bankruptcy is right for you. Contact us to schedule a free 30-minute consultation with experienced bankruptcy lawyer James A. Pixton.
Using Bankruptcy’s Automatic Stay to End Harassment
Creditors, particularly unscrupulous ones, do everything they possibly can to create stress in people who owe them money, because the more stress they create, the more likely you are to make a payment. Unfortunately, if you simply cannot afford to pay your debts, this harassment can be overwhelming.
The moment you file for bankruptcy, a federal law called the automatic stay says that creditors may not contact you, harass you or make any efforts to collect on debts as long as you are under bankruptcy protection.
Attorney James A. Pixton can explain your options and help you decide whether Chapter 7 or Chapter 13 bankruptcy is right for you. If so, we will prepare your filing and put a stop to harassment by creditors.
Exploring Other Options to Stop Debt Collectors
California's Fair Debt Collection Practices Act is even more inclusive than federal bankruptcy laws. Once creditors receive notice that an attorney represents you, they cannot contact you for any reason other than to send you your regular bill.
Even if you do not qualify for bankruptcy or choose not to file for it, we can get you relief from creditor harassment by attempting to work out a debt settlement on your behalf. Once we contact your creditors on your behalf, they must stop bothering you and deal solely with us.
To stop creditor harassment, contact us at the Law Offices of James A. Pixton today. We have two convenient locations – in Alameda and Modesto – to better serve you.
