Debt collectors, especially credit card debt collectors, can be relentless in harassing you and your family about your late or unpaid debts. Creditors may call you on your cell phone, at home on the weekend, or even at work. Harassing letters and calls from creditors do nothing but increase your stress level. One way to stop debt collectors from contacting you is to state in a call, email, or letter: “Please cease and desist all calls and contact with me immediately.” While this should stop a creditor from directly contacting you, it does not mean that the creditor or creditors will stop working to collect your debt. They may resort to filing a lawsuit against you in order to collect the debt. Court costs, attorney’s fees, and interest can be added to the debt total if the creditor successfully gets a judgment against you from a lawsuit. A court judgment can lead to a garnishment against your wages or even a lien against your home.
Filing for bankruptcy in Oklahoma is the most effective way to STOP creditor harassment. After you meet with a Tulsa bankruptcy lawyer and confidentially discuss your financial situation, we can put an end to creditor harassment. Filing an Oklahoma Chapter 7 bankruptcy or a Chapter 13 bankruptcy creates the Automatic Stay that requires creditors and collection agencies to immediately cease all collection action against you, including repossession and foreclosure. If a creditor violates the Automatic Stay it may be possible to file sanctions against them in the federal bankruptcy court or under the Fair Debt Collection Practices Act.
Contact a Tulsa Bankruptcy Lawyer to Stop Creditor Harassment
Call 918.551.8995 or click “Schedule a Free Virtual Consultation” on our website to setup a FREE and confidential initial consultation with a Tulsa Bankruptcy Lawyer to stop creditor harassment, ease your anxiety, and begin working toward securing your financial future.
*We are a debt relief law firm in Tulsa, Oklahoma.
*We help people file for bankruptcy relief under the Bankruptcy Code.