When you are struggling to pay the bills, the last thing you want or need is a debt collector hounding you at every hour of the day. No one wants to wake up in the morning to a rude phone call or arrive at work knowing that a debt collector has just stopped by and blurted out the truth to your colleagues. However, often this will happen. This kind of behavior can cause anyone to lose control of the situation and feel even worse about their debt than they should. It is the debt collector’s job to collect a payment but this does not mean they have the right to do whatever they want to get it. There is a fine line between what is accepted and what is not when it comes to the means by which debt collectors will go about their business.

The Fair Debt Collection Practices Act is a federal statute enacted to protect consumers from being unfairly harassed by debt collectors. Although debt collectors are only trying to do their job, often the ways in which they go about it are illegal. Furthermore, there have been cases in which creditors will make false or fraudulent statements to debtors or issue fraudulent legal notices. This type of behavior is considered illegal.

If you have been a victim of any of the following, then you need to contact a Minnesota bankruptcy attorney today. This type of behavior is not tolerated and not legal and thus, you do not have to put up with it. Protect your rights and stop the harassment.

Consumer Protection Illegal Behavior

• Abusive or harassing phone calls.
• Calls at your place of employment or calls to your boss, supervisor or colleagues
• Calls before 8 AM or after 9 PM
• Calls to family, friends or neighbors about your debt
• False legal notices
• False threats

How a Bankruptcy Lawyer Can Help

Dealing with debt is not something that is easy. However, this does not mean you have to put up with the additional stress, shame and guilt that creditors may cause you. You deserve a chance to get out of debt and decide what the best option is for you without worrying about those annoying phone calls and demands that are making it hard to think, sleep, eat and breathe. No one deserves this type of treatment. A Minneapolis bankruptcy lawyer can offer you the assistance you need during this tough emotional time.

If you have been a victim of any of the above actions, then contact the Law Offices of Heimerl & Lammers today to see what your rights are. You have the right to stop this harassment. The Law Offices of Heimerl & Lammers consists of five experienced Minnesota bankruptcy attorneys that can help you with this problem. They can also provide assistance in determining whether Chapter 7 or Chapter 13 bankruptcy is the best option for your situation. Call us for a free initial consultation and to put an end to this unfair harassment today!

Heimerl & Lammers practices in all eighty seven counties of Minnesota including, Hennepin County, Ramsey County, Scott County, Carver County, Washington County, Anoka County, Wright County, Sherburne County, Chisago County, Isanti County, Stearns County, Dakota County, Cass County, Blue Earth County, Olmsted County, Sibley County and St. Louis County.

We represent Minnesota Bankruptcy Law clients throughout the Twin Cities including Minneapolis, Champlin, Brooklyn Park, Brooklyn Center, Eden Prairie, Edina, Excelsior, Hopkins, Long Lake, Lino Lakes, Maple Plain, Minnetonka, Monticello, Mound, Osseo, Otsego, Rogers, Saint Bonifacius, Saint Paul, St Paul, Spring Park, St Louis Park, Wayzata, Woodbury, White Bear Lake, Plymouth, Maple Grove, Eagan, Eden Prairie, Burnsville, Bloomington, Buffalo and throughout Minnesota.

Disclaimer: We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.