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Stopping Creditor Harassment

Denver Creditor Harassment Protection Attorneys

Are you sick and tired of constantly receiving phone calls, voicemails and letters from creditors? Just the sight of each late payment notice probably causes you stress and anxiety. You may have even have had creditors use obscene or threatening language. By filing for bankruptcy, you can end creditor harassment and begin the road to financial recovery.

Over 45 Years of Combined Experience

At The Law Office of W. Robert Montgomery, we have more than 45 years of combined experience. Our attorneys can explain the bankruptcy process to you and all the ways it can help your financial situation. This includes providing creditor harassment protection.

Speak with our creditor harassment protection lawyers in a free initial consultation. Contact our Lakewood, Colorado bankruptcy law office at 720-496-1338 today.

Creditor Harassment Protection

Under the Fair Debt Collections Practices Act (FDCPA), a federal law enacted to protect consumers, creditors are prohibited from unlawful debt collection practices. This includes harassing people like you about paying their debt. Unless you file for bankruptcy, creditors are not required to stop taking reasonable methods to collect debt. What is reasonable is subjective and a matter of disagreement between creditors and the people who owe the debt.

Filing for Chapter 7 and Chapter 13 bankruptcy will automatically prohibit creditors from taking any further debt collecting action. In order for creditors to resume debt collecting actions, they must now obtain permission from the bankruptcy court. This only happens in specific and limited situations: for example, if a creditor has an interest in a piece of property and you agree to surrender the property to the creditor. In that case, the court will usually allow the creditor to proceed against the property. The court can allow creditors to proceed against secured property if the loan is in default.

Clients who decide to file for bankruptcy and end creditor harassment are advised to inform unsecured creditors that they have obtained an attorney and to not make any additional payments or to discuss accounts with them after we have been retained to represent them.

Contact Us for a Free Initial Consultation

Stop creditor harassment today. To discuss your case in a free initial consultation with our Lakewood debtor rights lawyers, please call today at 720-496-1338 or fill out the contact form on this page. Our law office is conveniently located in Lakewood in the Western Denver metro area.

We are a debt relief agency. Our lawyers help people file for bankruptcy relief under the U.S. Bankruptcy Code.