Stopping Collection Actions
Michigan Bankruptcy Lawyer in Sterling Heights
When financial problems hit, they hit hard, and it's easy to be paralyzed
by the fear of facing all your issues. You want to save your home, your
car and your assets, but you don't know what to do. There are in fact
many ways to protect your property and regain your financial stability.
As a Sterling Heights bankruptcy attorney at my Michigan law firm, Hensel
Law Office, PLLC, I offer personalized bankruptcy services that can stop
collection actions and eliminate your debts.
Bankruptcy is an effective legal remedy that can help protect your assets.
The Automatic Stay
When you file your petition, it will result in a court order called an
automatic stay that ends all collection actions, including wage garnishment,
repossession and foreclosure. It is unfortunate that so many homeowners
lose their home to foreclosure because they were unaware of the benefits
of filing for bankruptcy.
If you have been threatened with car repossession, any efforts to recover
your vehicle will also cease. When you are living paycheck to paycheck
and need your car to drive to and from work, this kind of protection can
mean all the difference in the world. Stopping collection actions also
means putting a stop to
creditor harassment calls, letters and emails.
Stopping Creditor Harassment
Once a debtor has filed for bankruptcy, creditors are prohibited from making
contact and pressuring an individual to pay. Sometimes simply finding
relief from the constant hounding of bill collectors can make a considerable
difference in your life, allowing you to think clearly and make wise decisions
for your financial future. Creditors that violate the automatic stay can
be held in contempt of court and face penalties such as:
- Payment of your legal fees
To find out more information on how you can stop creditor collection actions,
contact my office and request a free consultation. I will review your
financial situation, and help you in any way that I can, including taking
legal action against abusive creditors. You have rights, but if you do
not fully understand them, you will not know when they have been violated.
Protect Your Rights by Contacting Hensel Law Office, PLLC
Being forced to deal with creditor harassment is a stress that no one should
ever have to encounter. When an individual is unaware of their rights,
however, they cannot know for sure when a debt collection agency has violated
them. In accordance with the Fair Debt Collection Practices Act (FDCPA),
debt collectors are prohibited from harassing a debtor—meaning that
they cannot engage in certain unlawful practices. Certain regulations
that a collection agency must follow include:
- Cannot use obscene or threatening language
- Cannot contact you at work if you have asked them not to
- Cannot call you repeated for the purpose of harassing
- Cannot call before 8 a.m. or after 9 p.m.
- Cannot charge additional fees
If you have been subjected to similar behavior by a debt collector, you
have the right to take legal action. In order to do so, however, it is
advised that you first consult a knowledgeable legal professional. When
you enlist the help of the Hensel Law Office, PLLC, you can feel confident
in knowing that I will not let such unlawful actions go unaccounted for.
My firm is able to provide assistance to debtors who live in Sterling
Heights, Warren and many other parts of the state of Michigan.