Dealing with Creditor Harassment: Understanding Your Options and Where to Find Relief

Posted on in Debt Relief

Illinois bankruptcy attorney, Illinois debt collection lawyerIt is only a matter of time before those struggling with debts they can no longer manage turn to the option to file for bankruptcy. Although personal bankruptcy is not a step that should be taken lightly, nor is it ideal, it is at times the best course of action for relieving yourself from debt that cannot be settled with creditors.

Where to Start

Regardless of this truth, bankruptcy is still not for everyone. If you have the ability to speak with your creditors and settle your debts without going bankrupt, then you need to know what you are up against and how you can obtain protection from creditors and put a stop to the harassing phone calls and letters.

There are many avenues you can pursue as an alternative to bankruptcy, including settlements, debt counseling and consolidation, and payment programs with certified, credible companies that work to lower your payments and arrange a realistic payment plan for you that allows you to pay your debts off over time.

Putting a Stop to the Harassment

Under the Federal Trade Commission's Fair Debt Collection Practices Act (FDCPA), debt collectors have certain restrictions on what they can and cannot do when attempting to collect debts from you. According to this Act, collectors may not contact you at work if they are notified orally or in writing that you may not receive calls there, and they may not harass you during certain hours, such as before 8 am or after 9 pm. However, these incidents do still happen, and the harassment can quickly get out of hand. To effectively stop a debt collector from contacting you, you need to do the following:

  • First make an attempt to speak with the collector and see if they will work with you to resolve the debt;
  • If speaking with the collector does no good, you must tell the collector to stop contacting you by documenting the request in writing. Make one copy of the letter and send one copy via certified mail to the collector; and
  • Be sure to purchase a “return receipt” when you mail the document through certified mail. This receipt will help you verify what the collector received from you.

Seeking Relief

Notifying debt collectors to cease contact cannot dissolve your debts or necessarily make anything easier on you. Collectors may still file lawsuits against you to collect the money owed to them, and your credit will be damaged. However, you can at least find some relief by putting a stop to the harassing phone calls and letters.

You do not need to deal with creditor harassment alone. Do not hesitate to contact an experienced Cook County collection company harassment protection attorney for guidance. Call the Law Offices of Eric G. Zelazny today at 708-888-2299 for a consultation.




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Chicago, Illinois 60602
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Tinley Park, Illinois 60477