Bankruptcy Will End Creditor Harassment
You owe money, and creditors won’t let you forget it. The distress and humiliation you feel have become overwhelming. But did you know that, while creditors have every right to chase down money owed to them, they are not allowed to actually harass you.
What Constitutes Harassment?
Naturally, creditors may take reasonable actions to try to get you to pay them, like calling you, sending reminders, or even stopping by your house. They can even take court action in some cases. But there are a slew of actions that could be considered harassment by creditors. Just a few of them include:
- Getting in touch with you during early morning or late night hours;
- Contacting you multiple times in the same day;
- Coming after you through social media like Facebook, Instagram, and Twitter;
- Pressuring you to take out another credit card or get a second mortgage;
- Trying to talk you into selling your house so you can pay them off;
- Using multiple debt collectors to try to get money out of you;
- Failing to inform you that your debt has been passed on to a debt collector;
- Emulating official court forms so you’ll think mail from them is official;
- Physical or verbal threats;
- Using obscenities or profanities;
- Public embarrassment;
- Calling you without revealing their name;
- Talking to third parties who are asked to pass messages to you;
- Giving a false impression about your legal problems as a result of your debt.
Are You Overwhelmed by Creditors?
If you are heavily in debt, it can be soul crushing. Whether the debt is the result of overspending, a job loss, a medical emergency, or something else, you may feel like a failure. Besides having to dodge bill collectors all the time, the mere thought of filing for bankruptcy has you panicked. What will your family think of you now? And what about the neighbors and your colleagues? You fear that everyone will know what a loser you are. But, to be honest, those fears are not based in fact.
It’ll be Ok
Think of it this way: bankruptcy is a tool, not a sin. It’s something thousands of people experience every day, and most get through it with minimal pain. The stress you’ve been burdened with can be lifted the minute you file for bankruptcy, because creditors will have to back off. From there, you will work with professionals to start over. Think of it as a fresh start, not a punishment or something embarrassing. And, while bankruptcies are publicly available, the chances of anyone looking up your financial status is pretty slim. Most likely, the only people who know will be those you choose to share the information with.
Your Bankruptcy Advocate
The dedicated Miami bankruptcy attorneys at The Law Office of Julia Kefalinos understand the emotional, legal, and privacy issues that concern you. Schedule a confidential consultation in our Miami office to discuss bankruptcy possibilities today.
