As many residents of St. Paul, Minnesota, are likely aware, the stress of dealing with overwhelming amounts of debt can be difficult to handle. Many people in this situation feel great shame, even when the situation may not be due to bad decisions on their part. It is likely that most readers can imagine a situation in which debt could accrue despite making decisions they think are sound.
This situation is not improved when debt collectors keep calling.
Those who find that they are facing this situation should be aware that there is action they can take. There are boundaries that debt collectors must not cross and when they do, collectors could face legal consequences. These boundaries include:
- Embarrassing debtors
- Threatening debtors
- Intimidating debtors
- Harassing debtors
These activities are prohibited under the Fair Debt Collection Practices Act and it may be possible to put an end to them. To accomplish this, most find it beneficial to work with a lawyer. A lawyer may be able to help with more than just stopping creditor harassment. He or she may also be able to find a way to address the debt that is triggering the illegal contact in the first place.
Sometimes this is accomplished via debt settlement. Other times however, filing for bankruptcy is the best way to go. Which chapter would be best to accomplish one’s goals depends on the circumstances surrounding the filing. When one seeks the assistance of a bankruptcy attorney a means test will be conducted to determine whether Chapter 7 or Chapter 13 is the best way to proceed.
Source: US News and World Report, “How to Deal With Harassing Calls From a Bill Collector,” Geoff Williams, May 13, 2014