One of the things that can hurt your peace of mind more than anything else is when your creditors make unreasonable demands of you to pay debts with money that you don’t have. Many people receive threatening letters and aggressive phone calls from banks or other lenders and debt collectors every day — sometimes from the same debt collector multiple times in the same day.
Are you receiving unwanted phone calls and letters threatening you with lawsuits, wage garnishments and bank attachments? Are the actions of your creditors keeping you from sleeping at night? Contact our Cincinnati debt relief law firm online or call 513-381-2047 to start the process to stop creditor harassment today.
Often the best way to stop obnoxious and threatening behavior by creditors is to file for federal bankruptcy protection. At Zingarelli Law Office, we have helped hundreds of people end harassment by creditors and debt collectors once and for all. Even if you haven’t filed bankruptcy yet, once you retain our office, you are permitted to refer your creditors to us. Although creditors can continue collection efforts until you file bankruptcy, this will likely stop at least some of the creditors from bothering you and make your phone a little less busy.
Chapter 7 and Chapter 13 bankruptcy can both protect you from creditors bullying you at your home and work. Once you have filed for either form of bankruptcy, you are protected by the “automatic stay.” When creditors receive notice that you have filed bankruptcy, they cannot intimidate you anymore with threats of taking your home, your car, your wages, etc. Creditors or other debt collectors who continue these forms of intimidation after receiving good notice that you have filed bankruptcy can be held accountable for their actions under Ohio and Kentucky law, as well as under the Federal Debt Collection Practices Act (FDCPA).
If you are troubled by the pressures and fears that come with creditor harassment, let our attorneys help you relieve this stress.
For experienced legal help stopping the troublesome letters and phone calls from creditors, contact Zingarelli Law Office for a free consultation. We are available for weekday appointments. With an office in downtown Cincinnati, Ohio, we serve clients throughout southwest Ohio and northern Kentucky.