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CREDITOR HARASSMENT
Relentless creditor calls, threatening letters, wage garnishments, and bank account seizures can make life unbearable. Our attorneys at UNITED LEGAL ADVOCATES, LLP puts an immediate stop to creditor harassment, restoring your peace of mind and control over your finances. Whether through bankruptcy or other legal protections, we ensure creditors back off.
How Bankruptcy Stops Creditors
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Automatic Stay: Filing bankruptcy triggers an immediate halt to all collection efforts, including calls, lawsuits, wage garnishments, bank account seizures, and repossessions. The stay remains in effect throughout the bankruptcy, and creditors who violate it face penalties.
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Fair Debt Collection Practices Act (FDCPA): We enforce your rights against illegal tactics, such as:
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Calling before 8 a.m. or after 9 p.m.
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Contacting you at work after being told it’s prohibited.
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Using threats, obscene language, or false representations.
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Contacting you after you’ve retained us (they must communicate through your attorney). Violators can be sued for damages, including attorney fees and court costs.
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Legal Advocacy: If creditors persist, we pursue contempt actions or FDCPA lawsuits to hold them accountable.
Non-Bankruptcy Options
If bankruptcy isn’t right for you, we can:
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Send Cease-and-Desist Letters: Demand that collectors stop contacting you, limiting communication to written notices.
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Negotiate Debt Settlements: Reduce the debt amount to a lump sum you can afford, avoiding bankruptcy’s credit impact.
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Challenge Invalid Debts: Dispute inaccurate or fraudulent debts, forcing collectors to prove their claims.
Tired of creditor harassment?
Call us today to silence the calls and regain your peace.
CONTACT US
Address
19200 Von Karman Ave., Suite 600
Irvine, CA 92612
Email
Phone
949-234-8212
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