3 Steps to Stop Debt Collection Calls
Has your phone been ringing off the hook with debt collection calls? It can be frustrating to cringe every time the phone rings, since you know that a debt collector is going to be on the other line. There is no reason that you should continue dealing with these calls though, because you can follow a few steps to stop the calls and once again find peace in your life. Here are a few steps to consider:
Step 1: Talk With a Bankruptcy Attorney
The first step is to get help with your financial situation, and one of the easiest ways to access the help that you need is by talking with an attorney who is familiar with the financial laws in your area. Your attorney will help you to understand the laws, so that you know what the bill collectors are allowed to do.
In many cases, debt collectors use illegal techniques to contact you and scare you into making a payment. Some of these scare tactics are illegal, which is why you should discuss the situation with an attorney.
Step 2: Ask the Collectors to Stop Calling You
Once you have started working with a bankruptcy attorney to file a bankruptcy, the debt collectors are legally required to stop calling you. Even though you have been trying to avoid their phone calls, it can be beneficial to have a conversation with the debt collection agency and ask them to Cease & Desist. You will have a bankruptcy file number available to provide to them if needed. Informing them about the bankruptcy filing should be sufficient to stop the calls.
Step 3: Let Your Bankruptcy Attorney Handle the Details for You
Once your attorney has filed the bankruptcy, there is no need for you to continue trying to work out a payment plan with your creditors. Instead, your attorney will deal with the creditor’s for you, and inform the creditors that they should no longer be calling you.
It can relieve so much stress to have the professionals handle everything for you. There is no need to battle the debt collectors on your own!
Finding the Help That You Need
If you have found yourself in the situation where you are unable to pay the bills, then talking with a bankruptcy attorney might be the right solution for you. Here at Flippin Law, we offer bankruptcy and debt relief services. One of the advantages to working with our office is the fact that we will put together a personalized plan, in order to find the best solution for your individual situation.
There is no reason that you should be fielding debt collection calls every day, and we would love to help you stop those calls. We have worked for 14 years, helping many people find the financial relief that they are searching for.
Our office offers bankruptcy services in the Yadkin, Surry, Wilkes and Alleghany Counties in North Carolina. We understand the local laws, and we are available to help you stop the debt collection calls and move forward with your life. Call us today to schedule your complimentary consultation: (336) 526-2280