I Can’t Take the Harassing Phone Calls; What Should I Do?

I Can’t Take the Harassing Phone Calls; What Should I Do?
Being in debt and the corresponding harassing phone calls cause sleepless nights, a pit in your stomach, anxiety, stress, and tears.  We understand.  Creditors call your office, neighbors, family members, friends, and you.  It’s embarrassing and stressful.  We often get the question, “How do I stop the harassing phone calls?  I just can’t take it anymore.”  Fortunately, we have good news for you. 
A Court Ordered Automatic Stay
As soon as your bankruptcy petition is filed and accepted by the court, the court will issue an order called an “automatic stay.”  Each creditor you list on your bankruptcy petition (and you must list them all) receives this notice of automatic stay and must, immediately, stop calling you.
Phone calls, letters, lawsuits, and wage garnishments are all stopped by the automatic stay.  If a call slips through, direct the caller to your bankruptcy attorney and that will be the end of harassing phone calls.
You (and Every Other American) Deserve a Fresh Start
Being in debt is not a good feeling; and, filing bankruptcy can provide stress relief for you and the millions of other Americans filing bankruptcy this year.  Congress used Constitutional powers to enact the current bankruptcy laws, meaning bankruptcy laws are founded on the United States Constitution.  This means that both Congress and our Founding Fathers believed that you deserve a fresh start.  No need to be embarrassed; you are not alone.  These laws were enacted to help you and others in your situation. 
How Bankruptcy Laws Help You
As we have discussed, filing bankruptcy stops creditor harassment and collection efforts; it also either discharges your debts or restructures them so that you can afford to pay them.  Individual typically file either a Chapter 7 or Chapter 13 bankruptcy.  A qualified bankruptcy attorney will analyze your case to determine which chapter of bankruptcy is best for you and your individual situation.
Where to Get Help Stopping Harassing Phone Calls
Bankruptcy is a very specialized area of law; be sure your attorney focuses his or her practice on bankruptcy and helping people like you.  We focus our practice on bankruptcy law and helping people just like you.  You can reach us at 513-793-6555 or Thomasjr@geygan.com. 
We will gently walk you through the bankruptcy process, answer your questions, analyze your case, and aggressively fight for your legal rights.  Your next step is to contact our office and we’ll stop the harassing phone calls.