Minnesota Creditor Harassment Attorney
Are you being harassed by your creditors?
Most people with serious debt are experiencing financial distress due to events beyond their control such as death, job loss, divorce, business failure or sickness. They are hurting and, as if their situation wasn't bad enough, they are also dealing with creditors who are constantly sending letters, or calling and threatening a lawsuit. If this is you and you are exhausted and confused about these stressful interactions, a knowledgeable Minnesota bankruptcy lawyer at Heimerl & Lammers is available to evaluate your circumstances and steer you in the right direction. You have a right not to be harassed, even though you may owe the creditor money, and we will do all that is possible to help you stop this unfair treatment.
Although a debt collector is in business to go after the money that is owed, they do not have free rein to collect the debt. In fact, the Fair Debt Collection Practices Act protects people like you from harassment by creditors. If you are being unfairly pressured, contact us; you may be able to take legal action against the creditor involved. Some illegal creditor practices include:
- False threats, legal notices and claims
- Calls to family, friends or neighbors about your debts
- Calls to your home before 8AM or after 9PM any day of the week
- Calls to your place of employment and calls directly to your boss/supervisor about your debt
- Abusive and/or harassing phone calls
Stop Creditor Harassment for Good
Along with determining if your rights have been violated, we can also examine your financial situation and recommend a Chapter 7 or
Chapter 13 bankruptcy filing for you if it appears to be in your best interests. Once you have filed, an "automatic stay" notice is immediately sent to your creditors and they are required under law to stop contacting you. We have been serving our neighbors in Minnesota communities for many years and with our vast knowledge of the laws concerning bankruptcy and debt, will diligently work to safeguard your rights. Don't hesitate to call; you need to make contact today so that you can open your mail and answer your telephone freely.
Contact a Minnesota creditor harassment attorney at Heimerl & Lammers for your free consultation.