Are you constantly receiving phone calls and letters from creditors? Are they threatening to sue you or garnish your wages? If so, you may wonder how to stop criminal harassment in Indiana. The answer may lie in filing for bankruptcy.
Bankruptcy can provide legal protection from creditors and give you a fresh financial start. Here are some options for stopping creditor harassment through bankruptcy:
When you file for bankruptcy, an automatic stay goes into effect. This means that all collection actions by creditors must stop immediately. This includes phone calls, letters, lawsuits, and wage garnishments. The automatic stay can provide much-needed relief and breathing room to get your finances in order.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is a form of bankruptcy that can discharge most of your unsecured debts, such as credit card debt and medical bills. This can provide you with a clean slate and allow you to start rebuilding your credit. In addition, the automatic stay goes into effect as soon as you file, which can stop creditor harassment.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a form of bankruptcy that allows you to reorganize your debts into a manageable payment plan. This can allow you to keep your assets, such as your home and car, while paying back your debts over 3-5 years. During this time, the automatic stay protects from creditor harassment.
Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a federal law prohibiting debt collectors from engaging in abusive, deceptive, or unfair practices. If a debt collector violates this law, you may be able to sue them for damages. In addition, if you file for bankruptcy, the FDCPA prohibits debt collectors from continuing to harass you.
Hire a Bankruptcy Attorney
Navigating the bankruptcy process can be complex and overwhelming. Hiring a bankruptcy attorney can provide you with legal guidance and protection. An experienced attorney can help you determine the best course of action for your situation and protect your rights.
If you are struggling with debt and creditor harassment, don't wait longer to seek help.
Contact Jackson & Oglesby Law LLC and learn how we can help you explore your legal options and provide the relief you need!