Put an End to Creditor Harassment
How Bankruptcy Can Protect You from Creditors
Filing for bankruptcy invokes immediate protection from creditors and collection
agencies. Under penalty of law, they must cease all contact, collection
efforts and legal actions. In most cases, this ends the creditor harassment.
But not always. Sulaiman Law Group, LTD., can step in if creditors or
bill collectors defy the automatic stay of
Over the last several years, our bankruptcy lawyers in Chicago, IL have
held unscrupulous companies to the fire in adversary proceedings. Through
an adversary proceeding, mistreated consumers can win monetary damages
for any violations of the Fair Debt Collection Practices Act, in addition
to damages for violations of the automatic stay.
Contact our firm online or by telephone at (312) 313-1613 to get creditors off your back once
and for all.
Stop Calls, Legal Actions & Negative Credit Reporting
Whether you file for Chapter 7 or Chapter 13 bankruptcy, the
automatic stay will go into effect as soon as you file, legally barring your creditors
from calling you, writing you and taking other actions against you. After
you file for bankruptcy, any communication your creditor wishes to have
with you will have to be with your lawyer.
Once the automatic stay goes into effect, you will be protected from:
- Phone calls to your home, family members or workplace
- Bills, invoices or threatening letters
- Verbal threats or abusive language
- Debt-related lawsuits and liens
Have Your Creditors Crossed the Line? You Have Rights!
Some creditors persist in aggressive and abusive collection efforts after
debtors have filed for bankruptcy. If they are called out, they claim
they never got the notice. It is also common for credit card companies
and lenders to continue reporting debts discharged in bankruptcy as delinquent,
resulting in black marks on the debtor's credit rating.
While many creditors push the limits of debt collection activities, there
are laws in place controlling their tactics. The laws of the federal
Fair Debt Collection Practices Act (FDCPA) govern the activities of debt collectors, including when they
can call you, how often they can contact you, if they can contact you
at work, and other actions.
Creditors or collection agents who violate the FDCPA or the automatic stay
can be summoned to court to answer for their actions. A judge can levy
punishments against offenders, including attorney fees and statutory penalties.
The Fair Debt Collection Practices Act also provides for fines of up to
$5,000 for illegal and willful
Contact Sulaiman Law Group, LTD. for the Help You Need
If you are burdened by debt, you may have received numerous calls from
your creditors. They may try to threaten you, intimidate you, and even
lie to get your money. You don't have to put up with this abuse. At
Sulaiman Law Group, LTD., our Chicago consumer attorneys help people stop
creditor harassment and other actions such as foreclosure, repossession
and wage garnishment. We know bankruptcy law and we know how to make it
work for you.
Our Chicago bankruptcy lawyers will take aggressive action to make creditors
back off and hold them accountable for violating the automatic stay.
Contact our office today at (312) 313-1613 to arrange a consultation.