Getting phone calls from creditors is the worst; many are trained to harass, lie, and threaten. Creditors may even call your workplace, neighbors, friends, and relatives. It’s harassment and it’s embarrassing.
In addition, your wages and bank account may be garnished and lawsuits may be filed against you in an attempt to collect on your debts. You may face foreclosure on your home.
This article will explain how to stop creditor phone calls now so you can get some peace, regroup, and decide how you’re going to approach your financial situation.
Two Ways to Stop Creditor Phone Calls
- File a bankruptcy petition.
- Tell the creditor that you are represented by an attorney.
File a Bankruptcy Petition
File a petition for bankruptcy with the court. As soon as your bankruptcy petition is accepted by the court, it will issue an “automatic stay,” notifying creditors of your petition.
The automatic stay explains that your bankruptcy petition has been accepted and that creditors may not continue to try to collect on any of your debts. This means that harassing phone calls must stop.
If a call slips through, simply explain that you have filed bankruptcy and the creditor will remove you from their call list.
Filing bankruptcy also stops most garnishments, lawsuits, and foreclosure.
“I’m Represented by an Attorney”
If you’ve hired an attorney to help you determine whether bankruptcy is appropriate for you (or not) or to actually file a bankruptcy petition, but the filing hasn’t happened yet (likely, because you still need to provide information), you can tell any creditors that you are represented by an attorney.
Provide the attorney’s name and phone number.
When you are represented by an attorney, creditors must communicate through the attorney, not directly with you. This means that the phone calls will stop.
Note that if bankruptcy hasn’t been filed, wage and bank account garnishments, lawsuits, and foreclosure can still continue (however, most garnishments and all lawsuits, including foreclosure, will cease as soon as your bankruptcy petition is filed.)
Where to Get Help Stopping Creditor Phone Calls Immediately
Bankruptcy is a very specialized area of law; be sure your attorney focuses his or her practice on bankruptcy, stopping creditor phone calls, and helping people like you get a financial fresh start. We focus our practice on bankruptcy law. You can reach us at 513-793-6555 or Thomasjr@geygan.com. Your next step to stop harassing phone calls is to contact our office.


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