Personal Injury Lawyer

There are more than 189 million Americans with credit cards. Then, when you factor in that most Americans have about four credit cards, it is no surprise that many people are in more debt than they can handle. Financial struggles can take a toll on every aspect of your life and your health.

For those in debt, one of the most stressful calls is from creditors. If you feel as though you are being harassed by creditors, is there anything that you can do? Do you have to accept the harassment?

You Can Say No to Creditor Harassment

Creditors are legally not allowed to harass you. This means that they cannot call you at odd hours of the night or morning. They cannot threaten you with jail time or imprisonment. If you tell a creditor that you have an attorney and that you do not want them to call back, they are not supposed to continue their harassment. While you will still owe the creditor money, you do not have to accept harassment. If you feel as though the calls have become less like reminders and more like harassment, you can take steps against the creditor. You could potentially file a lawsuit against creditors who unfairly try to collect the debt.

You Can Hire an Attorney

When it comes to debt collection, you may wonder what an attorney can do for you. Debt attorneys can help you negotiate your debts. While some may suggest bankruptcy as an option if you are in too much debt to pay back, you can also negotiate payment plans with your creditor and maybe even decrease how much you owe. When you hire an attorney, you can rely on him or her to contact the creditors and to help you with the negotiations process.

A lot of Americans feel like they have to put up with a creditor’s harassing calls. After all, if you owe the creditor money, they have every right to require you to pay them back. This does not give them the right to harass you, however. When you are in unmanageable debt, it is time to do something about it. If you are worried about your debts, then you may want to consult with a bankruptcy lawyer, like a bankruptcy lawyer in Memphis, TN.

 as soon as possible. Set up a consultation and find out what he or she can do for you when it comes to your creditors.

Thank you to the experts at Darrell Castle & Associates for their input into bankruptcy law.