It is the worst sound in the world. For countless people in Utah, the constant sound of their telephone ringing from creditors is enough to drive anyone crazy. Avoiding your phone is no way to live and neither is the helpless feeling of debt. Rather than go through a stressful holiday season, there are some solutions to help put an end to the calls and go on with your life. The first important step is to get help. The worst mistake many people in debt make is hoping the phone calls go away on their own. One of the best places to start is to seek advice from an experienced and knowledgeable Salt Lake City bankruptcy attorney.
One of the important jobs of an attorney is to educate clients about their rights. Creditors often try to intimidate those in debt by using scare tactics. However, many of these tactics are illegal. By knowing your rights, it can often make the difference between resolving your debt issues or allowing the problem to get worse. There are laws already in place designed to protect consumers from creditor harassment. For example, creditors are not allowed to call your home before 8 am or after 9 pm. They are also now allowed to talk to your employer or any other members of your family. To put a stop to the calls, simply tell the creditor to stop. In addition, make sure you follow up with a certified letter detailing the specific information you gave to the creditor.
One of the most important laws designed to protect consumers from creditor harassment is the Fair Debt Collections Practices Act. The law contains a series of provisions that specifically address when creditors can call, what they are permitted to say and how often they are allowed to speak to those in debt. The Fair Debt Collections Practices Act prohibits the following.
Dealing with debt is already a complicated process. But it can become even more stressful with the constant harassment from creditors. Fortunately, there are solutions. It begins with hiring a legal professional with a track record of protecting the rights of each client and looking after their best interests. Salt Lake City bankruptcy attorney Justin M. Myers understands the challenges and obstacles of those struggling in debt. He and his legal team utilize a personable and comprehensive approach to help clients resolve their debt problems as quickly and smoothly as possible. Whether you are seeking to file for Chapter 7 or Chapter 13 bankruptcy, he and his staff can help you navigate effectively through the legal process. To learn more, contact their Salt Lake City law office today and schedule a consultation to discuss your case.