Stop Creditor Harassment
Perhaps you've had thirty phone calls in a single day from a creditor. Or maybe you've heard the words "you won't be able to buy a loaf of bread on credit."
Creditors and collectors can be nasty — but the law prevents them from certain behaviors. If you are being harassed by creditors, we can help.
At The Law Office of Paul Toscano, PC, after your initial meeting with us, we will advise you of how to deal with creditor harassment under The Fair Debt Collection Practices Act (FDCPA). Debt collectors who are collecting debts for creditors other than themselves are not allowed to call before 8 a.m. and after 9 p.m. And if you ask them to stop calling you, they are required to do so.
The FDCPA prevents harassment, and the simple statement "Please talk to my attorney" is often enough to make many of them stop.
There are three ways we can stop creditor harassment:
- Prior to filing for bankruptcy, the FDCPA rules apply.
- Once a bankruptcy has been filed, the automatic stay stops all collections, most civil lawsuits, and most other creditors attempts to obtain your property - unless the creditor first obtains a Bankruptcy Court order that authorizes the creditor to do so.
- After your debts have been discharged by Bankruptcy Court order, a permanent injunction automatically prohibits your pre-bankruptcy filing creditors to collect the discharged debts.
Bankruptcy and Salt Lake City Creditor Harassment Attorney
Bankruptcy attorney Paul Toscano has been helping people find debt relief through bankruptcy since 1983. At our law office, we offer debt relief with dignity. We do not judge you. Instead, we help you get a fresh start and recover financially through debt relief.
As our client, you can expect the following:
- Realistic advice at all times. You may want to hang on to assets, or hang on to debt, that is not in your best interest. We may tell you that you need to "dump the palace" or "loose the chariot" — even if that is difficult to hear;
- Debt relief with an eye to the future. If you file for bankruptcy, you want to build a financial future so you don't have to file for bankruptcy relief again. We help you obtain debt relief with an eye to the future;
- Step by step communication. We let you know exactly what, when and why things will happen through the bankruptcy preparation process and after you file as well.
Consumer and Commercial Debt Relief with Dignity
At The Law Office of Paul Toscano, PC, we offer debt relief through Chapter 7, Chapter 11 and Chapter 13 bankruptcy. We offer the first consultation free of charge. To explore your debt relief options, call our law office at 888-509-3683, or send our bankruptcy lawyer an e-mail*.
* Please understand that we DO NOT become your lawyers just because you accessed our web site, or emailed us, or even attended a first free appointment with us. We do not become your lawyers until you sign a written contract with us that spells out the legal services we will provide and the estimated fees and costs you will pay.
WE ARE A DEBT RELIEF AGENCY. WE HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.
