There are many reasons why people can get behind with their creditors. People struggle with paying their bills because of things like mismanagement of funds and overextending themselves. However, others can get behind on their payments because of life events like divorce, a death of a loved one, medical bills, and an employer’s business going under. These situations are sometimes inevitable and do not arise out of selfish living or foolish decisions. People can suffer from legitimate hardships that they aren’t able to overcome.
Creditors Calling You at Work
If you are one of these people who’ve had hardship fall upon them, you might be facing creditors calling you at work. Unfortunately, as the original creditors, they have more rights than a debt collector. We’ll discuss them a little bit later. With an original creditor, you may have signed something at the beginning of your relationship with the creditor saying that they could call you at work. It was likely written in such a way that you might not have known what they were implying. Nevertheless, now you are getting embarrassing phone calls from creditors and having to explain to your boss or coworkers why people keep interfering with your work. There is no federal law that stops creditors from calling you at work. However, there may be something in your state, so check with an attorney to find out if you can stop them from calling without filing Chapter 7 Bankruptcy.
Debt Collectors Calling You at Work
Debt collectors are a different animal. If your original creditor has sold your debt to a debt collector, you have some rights to stop their phone calls. According to the Federal Fair Debt Collection Practices Act, you can limit when a debt collector can call you at work. If your employer prevents you from getting these types of calls, then the debt collector is obligated to oblige their restriction. You can notify the debt collector of the restriction in writing or verbally. If they continue to call, you can check with an attorney about suing them for damages.
Chapter 7 Bankruptcy
If you are at the point where you will not be able to make your payments due to unfortunate circumstances, you should speak with an attorney about filing for bankruptcy. One of the benefits of filing for bankruptcy is that the creditors will receive an official notice of your filing for bankruptcy. They will be notified that you have filed for bankruptcy and the date of the bankruptcy hearing. At that point, your creditors are not allowed to call you for payments. If they continue for some reason, you should contact your attorney and notify them of the issue.
If you are receiving phone calls from creditors and debt collectors, there are options available to you to limit their phone calls. In some instances, they will not be able to contact you at work once you notify them that your employer will not allow such phone calls.
However, in some situations, you will not be able to get your debts caught back up. If you need expert advice to guide you through the process of filing for Chapter 7 Bankruptcy, contact us at the Law Offices of John L. Schettino. We are an experienced law firm. Contact us today.