How to Stop Creditors - Riverside County Bankruptcy Lawyer

Some of the most stressful aspects of having debt that you cannot pay are the constant collection notices, calls, and harassment that comes from creditors and their collection agencies. Persistent bill collectors can make you dread opening the mail or even answering the phone for fear that it is another demand for payment. Fortunately, there are options available to stop creditors from making those harassing phone calls, especially those that occur at your place of business.

Federal laws are in place to protect you from abusive creditors, and one of these laws provides you with the option to tell your creditors not to contact you by telephone. Creditors may also not contact you at your place of work if they have been notified that your employer does not allow such calls. In spite of this fact, you have to be careful if you go this route without filing for bankruptcy - telling creditors that they may not contact you via telephone may make some creditors exercise their legal options to sue in order to recover debt. Legally, they are required to notify you of any intended legal action in writing, but they may not call in order to demand payment after being properly notified that you do not wish to be contacted.

If your creditors decide to sue, you could lose money in your bank account, or have your wages garnished. If your creditors have a security interest in your property, it could be repossessed. So while you can eliminate harassing phone calls without filing for bankruptcy, you still leave yourself open to potential legal action. However, if you do decide to file for bankruptcy, you are usually entitled to what is known as an Automatic Stay. This legal injunction happens immediately when you file for bankruptcy - creditors are no longer allowed to contact you about the debt, and any repossessions, collection attempts, or potential judgments must be halted in most instances.

There are some instances when the Automatic Stay does not apply, and these generally have to do with individuals who have had bankruptcies that were recently dismissed by the courts. If you think you may fall into this particular category, you should speak with an experienced Riverside County Bankruptcy attorney as soon as possible in order to discuss all of your options. Our firm will help you to file an emergency stay if your situation warrants it, and we will help you to choose the right bankruptcy options for you, based upon your particular situation. Contact our office today and arrange for a free evaluation of your  Riverside County Bankruptcy case.

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