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How to Handle Creditors and How Bankruptcy Can Help

Posted by Cha'Ron Ballard on September 12, 2019

How to Handle Creditors and How Bankruptcy Can Help

When you are significantly in debt it can be very overwhelming. One thing that adds to that overwhelming feeling is having to deal with creditors. Many creditors will repeatedly call and harass you in an attempt to get you to pay back your debts. If you are not in the financial position to do so, it can be frustrating and feel as if the pressure from your finances will never end.

If you are in this situation, you can stop harassing creditors from calling by filing for bankruptcy. When you file for bankruptcy, an automatic stay goes into effect. This stops any actions against you by creditors—they can no longer attempt to collect your debts or try to garnish your wages for the duration of your bankruptcy.

Get Creditors to Stop Calling

So, what can you do to get creditors from calling? How should you respond to them when they call?

  • First, get the assistance of a skilled Georgia Bankruptcy attorney. Once you have hired an attorney to help you with your bankruptcy, creditors may only contact you through your attorney. This means that they must call you attorney for any issues concerning your debt and cannot talk to you. If they do call, politely inform them that you have an attorney and if they have questions to contact him or her. Then you can give the creditor your attorneys phone number and end the call. Once you have an attorney, you don’t have to talk to them
  • Second, get your bankruptcy filed. As previously mentioned, once your bankruptcy is filed, the automatic stay goes into effect immediately. This means you creditors can no longer bring an action against you to collect your debt and they should no longer contact you. When you file for bankruptcy, the court will notify all your creditors listed on your bankruptcy petition. As a result, your creditors will know that you are filing for bankruptcy and therefore they should no longer contact you while it gets resolved.
  • Third, don’t say anything if your creditors do call. If for some reason a creditor continues to try to call or write to you, even after you have informed them you have an attorney or they have received notice from the court of your bankruptcy, just don’t talk to them. You don’t want to say anything that could be used against you—you can’t do anything until your bankruptcy is resolved, so simply let your bankruptcy attorney handle your creditors.

Stop Creditor Calls Today!

If you have creditors calling and harassing you, or attempting to bring collection actions against you, contact a skilled Atlanta bankruptcy attorney who can talk to you about how bankruptcy can help stop this. At The Ballard Law Group, our attorneys can look at your individual situation and help you understand whether a Chapter 7 or Chapter 13 bankruptcy would be best in your case. Call us today at 404-220-9906 to schedule a free consultation at either our Atlanta or Lawrenceville office.

 

 

 

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Contact The Contact The Ballard Law Group for Debt Relief or Fill Out Our Questionnaire

We offer two convenient locations for appointments with our attorneys—Atlanta, GA and Lawrenceville, GA. Call us today at 404-220-9906 in Lawrenceville, GA or 404-220-9916 in Atlanta, GA or fill out the form and get started on the road to financial relief with a free initial consultation.

Our Locations

The Ballard Law Group

3664 Club Drive, Suite 203 A Lawrenceville, Georgia 30044

Phone: 404-220-9906

Fax: 404-220-9907

The Ballard Law Group

3355 Lenox Road, Suite 750
Atlanta, Georgia 30326

Phone: 404-220-9916

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