Whenever a family is struggling with debt and dealing with credit issues, the stress can be overwhelming. Harassment by your creditors can make this already stressful time much worse. It may make Florida residents feel better to know that there is help out there, and there are ways to put an end to the harassment by your creditors.
Even though the harassment by creditors may be technically just an unwanted phone call, the threats and tactics used by some can be beyond intimidating. A creditor may threaten to garnish wages. One may even claim to have the power to foreclose on your property unless you pay what he or she says you owe. Any attempts to rectify the situation or make arrangements to deal with the debt may also fall on deaf ears.
It is vital to know when creditors have crossed a line. However, it may be more vital to know ways to end the phone calls altogether. Once you file bankruptcy, the calls have to stop. Any future attempts to collect the debt or negotiate a settlement of the debt need to be made directly to the attorney handling the bankruptcy case. This may take a few days, but the phone calls and threats of action against you will stop.
While filing for bankruptcy will stop harassment by your creditors, it will not necessarily wipe out all the debt that is owed. It is important to understand the different types of bankruptcy as our website can clearly outline. This will help anyone in Florida decide which type of bankruptcy may work best for his or her situation, while giving that person reprieve from the distressing and threatening harassment by any creditors.