Stopping Creditor Harassment

Stopping Creditor Harassment in Orange County CA

During periods of severe financial strain it may appear as though there is no way out. One of the more daunting aspects of struggling with debt is the constant phone calls from creditors and bill collectors. It can be very taxing both emotionally and physically but there is a way to get relief. If your skin calls every time your phone rings as you fear it is a creditor harassing you it is imperative that you speak with a Newport Beach Bankruptcy Lawyer regarding your options.

Bill collectors, collection agencies and creditors are calling because they want their money. You may not be able to pay them due to reasons such as divorce, job loss or illness but that does not stop them from contacting you. There are a few ways you can get them to stop calling such as taking their calls and working out a payment plan or becoming current on the loan, credit card, etc. However, for most people if they had the ability to get current they never would have fallen behind in the first place.

If you are an Orange County resident you may be able to file bankruptcy. That may be a very viable option for getting creditors to stop contacting and harassing you. Once the bankruptcy is filed, they are no longer allowed to reach out to you under California and Federal Bankruptcy Law.

There are two (2) types of bankruptcy an individual or married couple can file: Chapter 7 and Chapter 13. Each has its own benefits and the option that is right for you will depend on factors such as what you are trying to accomplish, your income and other aspects of your financial situation.

Consulting with an experienced bankruptcy lawyer serving Orange County, Huntington Beach, Irvine and Newport Beach, California will help you make the right choice regarding your financial future.

When being harassed by bill and debt collectors it is important to remember that you have rights that need to be protected. In this day and age with identity theft being so common and rampant it is not out of the realm of possibility that one or more of the creditors calling you are scam artists trying to extract money from you that you do not have. One of the biggest benefits of filing bankruptcy is that all creditors, even those you are current with, are contacted regarding you filing bankruptcy. They will have to respond to your bankruptcy filing and confirm how much you owe them and for what. This will have to match up with what your credit reports reflect. This will prevent form you paying a bill or a debt that you really do not owe.

Common creditors that will approach you when you are behind on bills are:

Mortgage companies

Car loan and finance companies

Banks

Credit card companies

Utility firms such as cable, phone and electric companies

Student loan organizations

Contact A Newport Beach Bankruptcy Attorney

Call Bankruptcy Attorney Dennis Connelly today to discuss what your options are for obtaining financial relief in the very near future. Mr. Connelly offers free consultations to those in need of debt relief in Orange County California.