How To Stop Creditor Harassment

There are many instances where harassing phone calls and letters from creditors are two of the deciding factors that push a person to examine their financial reality and decide to hire a lawyer and file for bankruptcy. Once this decision is made, one of the first things the lawyer will do is file the initial paperwork with the court which creates an automatic stay.

If you do file for bankruptcy, it is possible that a few of your creditors will have a hard time getting the message. In these cases, a bankruptcy attorney is a good person to have on your side in order to get the message across and bring a little more peace back to your life. I am attorney Michael E. Eisenberg in Hatboro, Pennsylvania, and I have helped many people across Bucks County and Montgomery County understand what bankruptcy would mean in their life. I work with bankruptcy clients to stop creditor harassment as well as prevent the levying of personal property and accounts.

Contact me at 267-728-4535 or 800-851-2534 to schedule a free initial consultation.

Automatic Stay

For most creditors, an automatic stay serves as a big stop sign when it comes to collecting a debt. Once the stay is in place, you may hear from a few creditors that haven't gotten the message yet, but in most cases if you tell them you are filing for bankruptcy, they should quit contacting you. There are a few exceptions to the stay where people you owe may be permitted to keep contacting you. These include child support, alimony and tax obligations.

Beyond Talk

In many states, one of the big ways creditors try to scare those who owe them money is to threaten to garnish their wages. In Pennsylvania, wages cannot be garnished; however, it is possible for bank accounts to be levied as well as your personal property.

  • This means if the court determines you are not going to pay a debt of your own free will and choose instead to ignore it, they may be granted permission to take some of the things you already own. They might assess the value of anything from your living room television to a jewelry heirloom with sentimental as well as monetary value. They can also use investigative tactics to put a hold on funds that in your bank account.
  • If you are to keep the things most important to you, contacting me is an important step in deciding whether or not filing bankruptcy is necessary in order to keep these actions from happening. In some cases, your lawyer may be able to contact your creditors on your behalf to help you avoid the seizing of property or accounts, giving you a chance to prioritize your expenses and assets in a more efficient way.

Helping You Take Back Control

For more information on stopping account garnishment or creditor harassment, call my office today at 267-728-4535 or 800-851-2534. You can also contact me online.