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Just last week, we discussed some of the actions that are off limits for debt collectors to do. Those actions are illegal and meant to protect consumers from harassment. Some of our Florida readers might be surprised to learn that even though those actions are illegal, some debt collectors still do them. If you find yourself being harassed in an illegal manner by debt collectors, we want you to know that you can take a stand against the debt collector.

Some unscrupulous debt collection agencies assume that you don’t know the laws. They assume that you don’t know what they are and aren’t allowed to do. They try to take advantage of what they think is a consumer’s ignorance of the laws they have to follow. They might call early in the morning or late at night, but if you know they aren’t supposed to, you can try to put a stop to it.

We know that you are busy and don’t have time to deal with harassment from bill collectors. We understand that you likely want to pay your bills but just can’t. We have some solutions that you can consider that might help you stop the harassment and get your bills under control. One of these is filing for bankruptcy.

Filing for bankruptcy will stop the creditor harassment because of the automatic stay that is put into place when you file. This means that all collections activity, including pesky phone calls and bothersome letters, have to stop. Whether you are trying to decide if you should file for bankruptcy, know you are ready to file or just want the calls to stop, we can help you.