We are a bankruptcy attorneys located in Middletown, Ohio. We can help you with creditor harassment.
Are you struggling with debt? Don’t want to check the mailbox? The phone calls start at 9:00AM every day and do not end until late at night. Even on the weekends when you could be trying to sleep in after a long week at work, the phone begins to ring at the break of dawn! These creditors just do not understand, why do they call all day? It is not like you meant to fall behind on your debts. This is not something that people plan on doing. If you had the money you would pay them, but now it has gotten to the point where the funds they want are just too much and unreasonable.
You can stop all of this. There is light at the end of the tunnel. There are laws designed to help people just like you. We are bankruptcy attorneys located in Middletown, Ohio.
What we do at our firm is offer you a free consultation with one of our bankruptcy attorneys. At this consultation the attorney will quote you a fee for filing for bankruptcy. A small retainer fee will get things started and then we will accept monthly payments until you are paid in full, then we file your case.
Once you put down your retainer fee you can start to refer your creditors to our office and let them know that you have decided to file for bankruptcy and have retained an attorney. Once you give them this information they should contact us and leave you alone, this will allow your stress levels to decrease, you to relax a little bit and get on with your life while you are making your monthly payments to us.
Once your case is filed the bankruptcy court will notify all of your creditors of your bankruptcy filing. At that point the creditor can never come back on you for debts that you currently owe. If they were to call to collect, this is creditor harassment, you would just need to give them your bankruptcy case number and that should end that creditor contacting you. This does occur occasionally due to the fact that debts are often sold to new collection agencies and in some cases the credit company is just so big that the notice had not gotten to the right department prior to this phone call.
If you are facing a foreclosure and want to keep your home Chapter 13 bankruptcy is what you are looking for. Under Chapter 13 bankruptcy you pay back a percentage of your debts, and the payments that you are behind on your mortgage. A Chapter 13 will last for 3-5 years. You will pay back a percentage of your debts, while you are in the Chapter 13 the creditors cannot contact you in anyway or form. At the end you will receive your discharge.
If you are facing foreclosure and do not want to keep your home, you can file for Chapter 7 Bankruptcy and surrender your home through the bankruptcy. Even Chapter 7 will slow down the foreclosure process, giving you extra time in your home to save money for the future.
Contact ouir Middletown, Ohio Bankruptcy Attorney today to discuss your individual situation and see if we can help you with creditor harassment