Can Bankruptcy Stop Harassing Collection Calls?

Are you scared to answer the telephone? Just because you have fallen behind on your bills does not mean you need to leave your phone off the hook. There are other ways to make the calls stop.

When you hire JC Law Group PC, we send out cease-and-desist letters on your behalf. Once these letters are mailed, creditors are prohibited by law from calling you. They can still send you letters, but you will at least be able to plug the phone back in, and your parents will no longer wonder why you are never home.

If you do receive a collection call after these letters have gone out, simply refer the caller to us. Say, “Call my lawyer,” and give the collector our number. Do not engage in conversation with them. Be polite, but be firm. You are under no obligation to explain anything to them. Just say, “Call my lawyer. Have a nice day.” Then hang up the phone.

If you decide to file for bankruptcy, you will be placed under the protection of an automatic stay. This means that your collectors will no longer be able to contact you at all- no more letters, phone calls, emails, etc. The courts place you in a protective bubble so you can go back to your life and not live in fear.

Need more information? Have questions? Please call JC Law Group PC at 415-963-4004 or email us to discuss your individual circumstances.