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Being in debt is a stressful experience. Not only do you know that you are behind on your bills, but you may be receiving repeated and harassing phone calls from your creditors. Many times, the fear and frustration of being in debt causes people to avoid contact with their creditors. And while this tactic may make you feel better momentarily, it may not last long once your creditors begin calling your family and friends.

In this day and age, it is relatively easy to find someone’s contact information through the internet. However, some people simply fly below the grid and aren’t easily found using normal resources. When this happens, creditors may resort to contacting a debtor’s family and friends. And although a creditor generally can’t discuss debt with anyone but the debtor, they may use phrases or offer information that makes their intention obvious.

Fortunately for debtors, hiring an attorney usually puts a stop to this type of creditor harassment. In fact, if an individual has retained an attorney, debt collectors are required to contact the attorney and not the debtor for information regarding their account. While this may seem like an extreme response to creditor harassment, an attorney may be the only viable option to getting back on track.

Being in debt, default or foreclosure can put families under an incredible amount of stress. In order to protect yourself and your family from the harmful effects of harassing creditor practices, it may be beneficial to speak to an experienced bankruptcy attorney. Not only can they put themselves between you and your creditors, but they can work with you to devise a plan that offers you and your family the best possible outcome and potentially a fresh start.