Tennessee Fair Debt Collection Attorney
One of the most immediate benefits of filing for bankruptcy is the end of creditor harassment. When individuals fall behind in bills, creditors increase the frequency and intensity of their collection efforts. This unwelcome communication can be overwhelming, frustrating and stressful. An experienced Nashville creditor harassment attorney can help.
At Robert L. Scruggs Attorney at Law, we have more than 25 years of experience helping clients through these troubling times. Once a bankruptcy petition has been filed, all collection efforts must cease. This is commonly referred to as the automatic stay. If creditors contact you, all you need to tell them is that they need to contact your lawyer. Essentially, creditors will need approval of the court to contact you directly.
Free consultation · Convenient location just off the Hillsboro Rd./21st Ave. exit (3) of the I-440 Parkway on the south side of Nashville · Free parking
The automatic stay puts an end to all collection efforts, including calls, letters, lawsuits, wage garnishment, bank account garnishment or repossessions. Many clients feel an immediate sense of relief when these collection efforts end. They feel that a fresh start is right around the corner.
In addition to the automatic stay, Congress has enacted protections for individuals facing collection efforts. The Fair Debt Collection Practices Act (FDCPA) was enacted to protect individuals from certain types of abusive or deceptive conduct, including:
- Calling consumers before 8 a.m. or after 9 p.m.
- Communicating with consumers at their place of employment
- Misrepresenting the debt
- Threatening arrest or legal action that is not permitted or being contemplated
- Using abusive or profane language during communications
- Communication with third parties such as neighbors or co-workers
Let us help you avoid this harassment.
Know your options. Know your rights. You can achieve debt relief today. Call 615-866-2408 or contact us by e-mail to arrange your FREE CONSULTATION directly with our lawyer.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
