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Stopping Creditor Harassment with a Sacramento Bankruptcy Attorney

BankruptcyCountless Americans have felt the stress related to creditor harassment. This harassment can involve threats of wage garnishment and calls to one’s employer, and in many instances, those facing this torment consider speaking with a bankruptcy attorney in Sacramento. While it seems as if these legal professionals would only be able to help in one particular way, there are actually a few methods they can use to stop creditor harassment.

Set up a Payment Plan

An honest Sacramento bankruptcy attorney will not advise a person to file for bankruptcy unless it was the absolute best option. When a lawyer recognizes that there is a better way out, they should always bring it up. Setting up a payment plan, for instance, is one possible way to end harassing calls from creditors while avoiding bankruptcy. These companies want nothing more than to get paid, and an attorney who specializes in bankruptcy has the necessary knowledge to recognize when this is possible. By setting up payment plans and even consolidating debt, a bankruptcy lawyer can help their client end harassment.

Consulting on how to end Harassment

A bankruptcy attorney should also be able to advise their client on certain tactics to end creditor harassment while avoiding bankruptcy. One potentiality, for instance, is for a person to send a letter to the creditor demanding that they cease all attempts at contact. Under the Fair Debt Collection Practices Act, the creditor must do so. Since most debts are too small to make filing a lawsuit worthwhile for a company, and they roll off a person’s credit in seven years anyway, being able to ignore creditors is a legitimate tactic. There are, of course, other ways to do this and nuances to the rules, so speaking with an attorney is essential.

Filing Bankruptcy in Sacramento

It’s important to remember that the aforementioned tips are ways to end creditor harassment when a person’s debt isn’t too out of control. If numerous creditors are contacting an individual over payments that they simply cannot make, though, it’s often best to ask one’s bankruptcy attorney about filing for Chapter 7 or 13 protections. The automatic stay that occurs after filing will prevent creditors from harassing the debtor, and it will also usually end lawsuits and stop wage garnishments.

There are a variety of ways that a Sacramento bankruptcy attorney can help end creditor harassment. Fortunately, these options include more than bankruptcy, but when necessary, these legal professionals can also assist in filing for protection.

Speak with a bankruptcy attorney today and find out how getting a fresh start is as easy as pressing the restart button! Call now 916-446-1791

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