Helping you get through difficult times.

There are several strategies for dealing with creditor harassment. It is not a bad idea to have dialogue with the creditor.   Explain why your account is in default or late and you may be able to convince the creditor to allow you payment extension or to make other arrangements for payment. But do not be disappointed if the creditors and bill collectors are unreasonable.  Many debt collectors use threats and intimidation as means to collect money.

If negotiation does not work with the creditor, another option which has an immediate effect is to file for bankruptcy.  Filing for either Chapter 7 or Chapter 13 bankruptcy will immediately stop creditor harassment.  No more calls at home or work!

NOTE:

If you have been a victim of threats or intimidation by a creditor or bill collector, they may have violated the Fair Debt Collection Practices Act.  You should meet with an attorney to go over options that may be available to you.