End Harassing Creditor Phone Calls With Bankruptcy

When you’re struggling with debt, constant calls from creditors can make a difficult situation even more overwhelming. If you’re tired of dealing with harassing phone calls from debt collectors, filing for bankruptcy could provide the relief you need. At Sieling Law, PLLC, we help individuals and families in Eden Prairie and throughout Minnesota find peace from creditor harassment through the protection of bankruptcy.

The Automatic Stay: Your Shield Against Harassment

When you file for bankruptcy, an automatic stay goes into effect immediately. The automatic stay is a powerful legal protection that prevents creditors from contacting you or attempting to collect debts. This means that phone calls, letters, and other forms of communication from creditors must stop as soon as your bankruptcy case is filed.

What Is the Automatic Stay?

The automatic stay is a provision of the U.S. Bankruptcy Code that halts most collection activities as soon as you file for bankruptcy. Whether you’re filing for Chapter 7 or Chapter 13 bankruptcy, the automatic stay gives you immediate relief from creditor harassment. It stops collection calls, wage garnishments, lawsuits, and even foreclosure proceedings.

What Happens If Creditors Keep Calling?

Once your bankruptcy case is filed, creditors are legally required to stop contacting you. If they continue to call or try to collect after receiving notice of your bankruptcy filing, they are violating federal law. In some cases, you may even be able to take legal action against creditors who ignore the automatic stay.

How Bankruptcy Provides Long-Term Relief From Debt

Stopping creditor harassment is just one of the benefits of bankruptcy. By filing for Chapter 7 or Chapter 13 bankruptcy, you can also resolve your underlying debt issues. Whether you’re seeking a discharge of unsecured debts through Chapter 7 or creating a repayment plan through Chapter 13, bankruptcy can provide long-term financial relief. Once your debts are managed or discharged, you won’t have to worry about future harassment from creditors.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows you to eliminate most unsecured debts, including credit card debt, medical bills, and personal loans. Once these debts are discharged, creditors are permanently prohibited from trying to collect on them. This gives you a fresh start, free from the burden of overwhelming debt.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy involves creating a repayment plan that allows you to pay back your debts over three to five years. During this time, the automatic stay remains in place, protecting you from creditor harassment while you work to reorganize your finances.

What to Do Before Filing for Bankruptcy

If you’re receiving constant phone calls from creditors, it’s important to keep a record of their contact attempts, especially if they’re using abusive or illegal tactics. Once you file for bankruptcy, these records can help demonstrate any violations of the automatic stay.

At Sieling Law, PLLC, we provide personalized guidance to help you through the bankruptcy process. We’ll walk you through the necessary steps, answer your questions, and ensure that you receive the full protection of the automatic stay as soon as your case is filed.

Contact Sieling Law, PLLC to Stop Creditor Harassment

If you’re ready to put an end to harassing phone calls from creditors, filing for bankruptcy may be the right solution for you. At Sieling Law, PLLC, we’re committed to helping clients in Eden Prairie and the surrounding areas achieve financial freedom. Our experienced bankruptcy attorneys will work with you to stop creditor harassment and get your financial life back on track.

Contact us today to schedule a free consultation and take the first step toward lasting debt relief.