If you have serious debt problems, you are probably living in fear of the telephone. Debt collectors often use abusive and threatening tactics, sometimes even posing as sheriff's deputies and threatening to arrest you if you don't pay the debt. Even if you stop answering the phone, debt collectors may call your employer or neighbors.
I'm Joel Gross, a bankruptcy lawyer in Clermont, Florida. If you are being harassed by creditors, I offer a free initial consultation to evaluate your situation and explore ways to stop the harassment.
There are certain debt collector actions that are illegal under the federal Fair Debt Collection Practices Act. Calling you an excessive number of times a day is illegal harassment. So is impersonating police or calling your neighbors.
While you can sue debt collectors who use illegal tactics, proving that a collector called you is difficult. Credit card companies use lots of different debt collectors and many will not identify themselves on the phone.
You can put an immediate stop to harassment and all other attempts by creditors to collect debts by filing Chapter 7 or Chapter 13 bankruptcy. As your attorney, I will deal with your creditors, and they will be barred from calling you.
In addition to stopping the harassment, filing bankruptcy will enable you to get a discharge of the debt you owe.
To schedule a no-cost and no-obligation consultation with me, attorney Joel Gross, call 352-536-6288 or send an email. Evening and weekend appointments are offered for those who cannot meet during business hours. Spanish-speaking service is available.
The Law Office of Joel L. Gross is a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code.