Forty-seven. That is the record for collection calls.

We had one client tell us she received on average forty-seven collection calls per day. When you fall behind on your bills, the first negative consequence is usually the collection calls that begin early in the morning and continue well into the evening. The constant onslaught of phone calls is not simply annoying but erodes your dignity. You do have options and you can retake control of your life. One of the benefits of filing for bankruptcy is that the collection calls will stop.

The federal Fair Debt Collection Practices Act (FDCPA) passed in 1977 makes certain collection practices illegal. The act outlines how debt collector may conduct business with the person filing for bankruptcy.

Immediately upon filing for bankruptcy the bankruptcy court will issue an order that requires all of your creditors to stop whatever it is they are doing to try and collect money from you.  This means no telephone calls, no collection letters, no lawsuits, no garnishments, no foreclosures, no nothing.  Period.  All collection efforts by your creditors must stop.

What if they don’t stop? The bankruptcy court can sanction them and award you damages. One of the most powerful tools associated with bankruptcy is the ability to stop your creditors in their tracks. If you are being harassed by creditors night and day I can make them stop. Filing for bankruptcy will give you the breathing room you need to be able to take a step back, regroup, and move forward free from debt.  Filing for bankruptcy will allow you to retake control of your financial life and get the fresh start you are seeking.

Clark & Washington offer a free bankruptcy consultation where we can discuss your specific situation, prepare a plan to help you get out of debt, and get you on your way to a fresh start.