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Stop Creditor Harassment in Nashville, TN
Long, Burnett, and Johnson, PLLC
When you’re in debt to creditors and find yourself having trouble repaying the debt, it’s not long before those creditors start harassing you. You end up getting constant phone calls during all hours of the day with aggressive people on the other end of the line who use fear and bullying tactics. You might even get calls at work or while you and your family are eating dinner. The debt is stressful enough, but your financial situation tends to become much more stressful when you’re faced with constant harassment from creditors. Is there anything you can do about it? Is it possible to make this harassment stop? The answer is yes.
When you’re facing this situation in what you need is to talk to local Nashville creditor harassment lawyers who can advise you on your situation. They can help you stop the harassment and learn your options for getting your debt under control. You can even prevent creditor harassment if it hasn’t started yet. Make an appointment to talk to the personable and experienced creditor harassment attorneys at law office Long, Burnett, and Johnson PLLC.
How Do I Stop Creditors Harassing Me Through Phone Calls?
There are a few ways you can address this problem to stop creditor harassment in Nashville. Can you find a way to pay the bill? If so, you can prevent creditor harassment before it even starts, or stop the calls once they have begun. Of course, generally the harassment starts because it’s gotten past the point of being able to pay the bill. In these situations, sometimes the creditor can be reasonable. Call the creditor to let them know that you cannot pay the bill, giving them an idea of when you think you will be able to. This step can potentially prevent the creditor from giving your name to a collection agency – which would result in much worse harassment – and result in a plan for repayment or some kind of compromise with the creditor.
If the creditor won’t work with you and you are now harassed by a collection agency, you have the right under the Fair Debt Collection Practices Act to write a letter to the debt collection agency that asks it to stop contacting you. Maintain a copy for yourself and send one to the Federal Trade Commission. If the collection agency doesn’t honor the letter, having an attorney send one for you should do the trick. Also, if the agency does not follow the act, it’s possible that you could sue them. Nonetheless, the creditor itself is still allowed to contact you, even though the collection agency is not. Finally, bankruptcy is another option, which stops collection activity in its tracks.
How to Stop Creditors Harassing Me at Work
According to the Fair Debt Collection Practices Act, it is against the law for debt collectors to call you at your job or to ask your employer about your debt. If they do so, you might have the right to sue them.
What Are the Creditor Harassment Laws in Nashville?
Tennessee follows the federal Fair Debt Collections Practices Act, which protects you against debt collectors using abusive tactics and reduces their power over you. In addition, to stop creditor harassment the state has its own Tennessee Fair Debt Collection Practices Act. This act limits the times when collection agencies can call you, only allows them to ask others about your location, prevents them from publishing your personal information and prevents abusive language and threats when they contact you. In addition, the state has debt recovery laws that limit how these agencies can collect the debt from you. The Tennessee Division of Consumer Affairs takes care of violations.
Meet With Local Attorneys to Learn Your Options
If you’re being harassed the best course of action is to talk to a bankruptcy lawyer about your financial situation. This type of lawyer does not just specialize in bankruptcies, but also in the options leading up to a bankruptcy. They can assess your personal financial situation to determine what your best options are. During your meeting, they will discuss the different options available to you, and share the pros and cons of each to help you decide on the right one for you.
At Long, Burnett, and Johnson, PLLC, you will receive a personal assessment from a Nashville bankruptcy attorney, not from one of our paralegals. We have three licensed attorneys, Jon Long, Esq., L.G. “Buddy” Burnett, Jr., Esq., and Jennifer Johnson, Esq. Each has the schooling, knowledge and experience to help you with your situation. We provide a free consultation where one of our lawyers will give you advice and guidance. We will cover all of your options, including repayment plans, or Chapter 7 or 13 bankruptcy.
Don’t be intimidated or embarrassed about meeting with our attorneys about your debt. We have a friendly and relaxed atmosphere at our law offices that will give you Southern charm and help you feel comfortable. Also, we deal with cases like yours every day, so it’s something we’re used to and a common experience for many people. We want to help you understand your options without judgment.
Don’t Delay – Call to Make Your Appointment for a Free Consultation!
If you’re being harassed or trying to prevent creditor harassment at your home, the time to act is now. If you wait, the situation will only progress, leading to serious consequences. There might be options that you’re unaware of for dealing with your creditors or the collection agencies harassing you. Our attorneys at Long, Burnett, and Johnson can help you discover those options and help you take action if needed.
Call our law office today at (615) 386-0075 to set up your free consultation. Or fill out our website form to have our office staff contact you.