If you have a past-due bill, there's a good chance you'll hear from a bill collector at some point. As frustrating as this can be, there are steps you can take to put this problem in the past once and for all.
First things first, you need to have a clear understanding of your situation. This means knowing how much money you owe, as well as the steps you can take to pay down the debt.
From there, if you don't find the answer you're seeking, you'll want to look into the many different ways to stop bill collector harassment.
Filing for bankruptcy is one of the best strategies, as this leads to an automatic stay against collection attempts. With this, the law states that all collection activity must stop. This includes the following:
- Letters and phone calls
- Personal visits to your place of employment or home
- Wage garnishment
- Contacting co-signers
In other words, simply filing for any type of bankruptcy will stop bill collector harassment. This gives you enough time to figure things out, making up your mind as to what you should do next.
At our law firm, we help our clients understand the many ways to stop bill collector harassment. Since no two people are the same, it's important to implement a customized strategy for success.
You should never have to live in constant fear of bill collectors. Instead, there are steps you can take to put an end to this. Once you're on the right track, it's much easier to feel better about your situation and what the future will bring.