When Will the Harassing Telephone Calls Stop?
As you are painfully aware, constant telephone calls from creditors can lead to serious stress. Stress is often accompanied by loss of sleep, anxiety, worry, and even serious health problems. The creditors are not going to go away, and they are not going to stop calling until you do something about it.
You might be able to pay the debt in full by depleting your lifetime savings and working until the day you die just to put food on the table. You could empty the savings that you had set aside for your children to go to college. You could take out an equity loan on your homestead and raise the payments on your house through a second home equity line of credit so high that you may find yourself on the streets with a subsequent foreclosure because you could not make the payments on the house while making payments to the creditors (many of whom you have been making payments to for years).
Those Options Are Terrible
You should not spend your hard-earned savings or take out a lien on the equity in your home before you talk to an experienced attorney who can make the harassing phone calls stop. At Pelley Law Office, L.L.P., we have helped thousands of people in North Texas get out from under overwhelming debt. We know how to deal with the creditor harassment that is impacting your quality of life.
We Can Make the Phone Calls Stop
We understand and are sympathetic to the fact that these creditors are calling at all times of day and night. We can help you put an end to those telephone calls quickly. Again, your creditors are not going to stop if you do nothing about it.
If you decide it is in your best interest to file bankruptcy after an initial office consultation, an experienced lawyer at our firm can quickly file a bankruptcy petition. If a creditor contacts you after they have received notice of the bankruptcy, then we will send them a reminder to cease all contact and that they are in violation of the Automatic Stay provision of the U.S. Bankruptcy Code. If they continue to make telephone calls, we will ask the Court to sanction that creditor.
In other words, once the bankruptcy is filed, all the calls stop. You can then take the first step toward getting a fresh financial start. We will also counsel you on steps you can take to rehabilitate your credit.
If you choose not to take the bankruptcy route after the free initial office consultation and you decide to retain us for assisting you in a debt settlement plan outside of the bankruptcy court, then we will advise your creditors that we represent you, and they will be instructed to direct all future communication to our office. The calls should stop at that point.
Contact Us
We invite you to call Pelley Law Office, L.L.P. at 972-608-0335 or 903-813-4778 to schedule a free confidential consultation with one of our experienced bankruptcy attorneys. You can also contact us by e-mail now to request an appointment. You will be under no obligation to hire us. We look forward to speaking with you and explaining how we can help.
Please view our Client Testimonials or continue reading for answers to common questions about bankruptcy.
