Media Bankruptcy Attorney Stops Creditor Harassment

Are you tired of harassing calls from creditors and debt collectors?

Do you dread answering your phone? At David R. Black’s Bankruptcy Legal Group, a division of Black & Associates, P.C., our bankruptcy attorneys put an end to the relentless calls and harassing communication. When you file for bankruptcy, an automatic stay forbids creditors and collection agencies from contacting you or pursuing collection efforts.

What you should know about the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) protects you against abrasive debt collection actions and clarifies in detail what harassment is, including:

  • Threats of violence or physical harm, or harm to your reputation or property
  • Obscene, profane or abusive language
  • Publishing a list of consumers who don’t pay debts (except to a consumer reporting agency)
  • Advertisement for the sale of any debt to coerce payment
  • Repeated or continuous telephone calls intended to annoy, abuse or harass
  • Calls without a meaningful disclosure of the caller’s identity
  • False representation of the debt’s amount or status
  • Threat of arrest or imprisonment, or of seizure, garnishment, attachment or sale of property or wages, unless the action is lawful or intended
  • False or misleading statements
  • Threats of criminal prosecution to collect a purely civil debt

You also do not have to receive creditor phone calls at work or outside of 8:00 a.m. to 9:00 p.m.

Debt settlement options

Credit card bills, personal loans, and other unsecured debts can quickly pile up and become impossible to pay. Many lenders respond to missed payments with late fees and increased interest rates on unpaid balances. If you have multiple debts that are out of control, bankruptcy frequently provides the best option for eliminating or restructuring them. For some people, however, bankruptcy may not be a viable option. When bankruptcy is impossible or unfeasible, debt settlement may be the best remedy available. Debt settlement is the process of reaching an agreement to settle an outstanding debt for a specific amount, normally far less than the original amount owed. Our firm has more than 30 years of experience representing debtors in negotiating favorable settlements of debt at a fraction of the face amount. Once our bankruptcy attorneys have accepted your debt settlement case, creditors will no longer be allowed to contact you. We can protect you from creditor harassment, and ultimately may be able to resolve your debts in a cooperative way.

It is important to remember that there are disadvantages to debt settlement as well. Entering into a debt settlement agreement may be less advantageous for your future credit than a bankruptcy would be. Many individuals who reach a debt settlement must pay income tax on the forgiven portion of the debt. However, where other solutions like bankruptcy are unavailable, you should consider retaining a seasoned professional to keep your debt under control and get it resolved. We have the experience required to evaluate your individual financial situation and determine whether you qualify for bankruptcy. If you don’t, we can help you settle your outstanding debt.

Don’t live in fear of your phone

We stop creditor harassment. Contact David R. Black’s Bankruptcy Legal Group, a division of Black & Associates, P.C., online or by phone at 610-365-1052 for a free consultation. We serve clients throughout Media, West Chester, Chester County, Delaware County and Upper Darby. Our office is located near the Delaware County Courthouse, and is easily accessible by SEPTA, Regional Rail and the trolley. Our office hours are Monday through Friday from 8:30 a.m. to 5:00 p.m. — or you can contact us by phone on weekends and after business hours