California readers know there are many negative consequences to owing a significant amount of debt. One of these downfalls is the constant contact from creditors and debt collectors who are trying to collect on owed payments. They can call you, send you mail and make other efforts to communicate with you. However, this only adds to the stress of your overwhelming financial situation.
If you are dealing with constant contact with creditors, it is possible you are experiencing creditor harassment. While debt collectors do have the right to attempt to collect money, there are limits to what they can do. As a consumer dealing with debt, it may be beneficial for you to learn more about your rights.
What can creditors do to me?
Any efforts from creditors can feel invasive and stressful. They do have the right to attempt to collect on what you owe, but there are strict limits on what they can do. In fact, there are laws in place to shield consumers from inappropriate or threatening behavior. No matter how much you owe, you do not have to put up with the following from creditors and debt collectors:
- Calling at inappropriate times of the day or night or calling at your place of work after you requested they refrain from doing so
- Giving your private information out to third parties about your debt
- Harassing you, using inappropriate or offensive language
- Threatening you with any kind of harm
- Lying to you or misrepresenting who they are
These are just some examples of what counts as creditor harassment. There is no excuse for this type of behavior, and you have the right to take steps to protect yourself from continued harassment.
One way you can make creditor contact stop is to file for bankruptcy. This will halt all collection efforts, including phone calls, wage garnishment and more.
A better financial future for you
If you owe a significant amount of debt, you may not know if you will ever be able to escape. Your situation is serious, but bankruptcy allows you the ability to deal with your debt and secure a better future for you and your family.
Creditor harassment and efforts made to collect on debts you currently owe is frustrating, but you do not have to endure it. When you file for bankruptcy, it will enact the automatic stay, which will protect you from future debt collection efforts. It will also allow you the ability to deal with your debt in an organized manner.