Fighting Back When Creditors Go Too Far

Creditors can be aggressive when they try to recover money from debtors.

They make collection calls to people at their homes and workplaces. They send threatening letters warning of impending legal action to seize their assets. Sometimes, they even try to persuade relatives of debtors to pay, even if there is no legal justification for doing so.

For debtors, such tactics add stress and fear to an already difficult debt situation. But what if you could make those collection calls and letters go away?

I am April Perry Randle, an experienced and dedicated Cleveland, Tennessee, bankruptcy lawyer. My mission is to help people resolve their debt issues through personal bankruptcy. Call me today at 423-464-6908.

Getting An Automatic Stay To Stop Collection Calls

By filing for a Chapter 7 or Chapter 13 bankruptcy, you can stop creditor harassment almost immediately. When you file, you will be protected by a law referred to as the "automatic stay." From the moment your creditors have knowledge of your filing, they are prohibited from calling you, suing you, garnishing your wages or repossessing your things.

This prohibition will remain in effect while you are in a Chapter 13 case and will continue after your debts are legally discharged by the court.

Learn more about Chapter 7 bankruptcy: For more detailed information about the Chapter 7 bankruptcy process, please read our " Chapter 7 in Detail" page.

Learn more about Chapter 13 bankruptcy: For more detailed information about the Chapter 13 bankruptcy process, please read my " Chapter 13 in Detail" page. You may also wish to read my page on " What to Expect After Filing."

Your Shield Against Debt Collection

As your attorney, I can represent you at every stage of your bankruptcy process. Whether it be stopping creditor collection efforts, developing a repayment plan, explaining documents received from the bankruptcy court to attending a meeting with your creditors, my staff and I will be with you during every step of the process.

Let me be your shield against debt collection. To discuss your financial options with a bankruptcy attorney who is working for you and not the bill collectors, contact me online or by calling 423-464-6908.

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