Jan 20, 2015

Posted by in Uncategorized | Comments Off on Contact Lawyers in Marion IN if You Are Harassed By Creditors

Contact Lawyers in Marion IN if You Are Harassed By Creditors

When you get behind on your bills, you can expect your creditors to contact you. The may call you at your home or another number that you provide to them, send you letters or even contact the people you listed as references. However, there are rules that creditors must comply with. They are not allowed to harassed citizens simply because they haven’t paid their bills. In some instances, you may be able to avoid all of the phone calls by being proactive and contacting your creditors when you know you won’t be able to make a payment. When you make reasonable arrangements to make up your missed payment, the creditor probably won’t contact you unless you are not able to fulfill your end of the agreement.

There are certain things that creditors are not allowed to do. They cannot contact your neighbors if they know your phone number. They cannot call you repeatedly in a manner that constitutes harassment. They also cannot threaten you with violence or imply that they might harm you if you fail to pay a debt. If one of your creditors is breaking the law in their attempt to collect the money you owe, a Lawyers Marion IN residents trust might help you get compensation from them in court. Be sure to keep records of all communication with the creditor so your lawyer can evaluate the contacts to decide whether they are illegal.

While you may want to repay your debts, you may not be able to based on your current financial circumstances. If this is the case in your situation, filing bankruptcy can stop the creditor phone calls regardless of whether they constitute harassment. The bankruptcy code requires creditors to stop all contact when their customers file bankruptcy. In order to contact you again, they’ll have to get approval from the court. To find out if bankruptcy is the best option in your particular situation, start by visiting the website of Lawyers Marion IN residents trust, such as  to get information and to contact a lawyer for a free bankruptcy consultation. The sooner you make the call, the sooner you will be free of creditor harassment.

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