Anyone who has ever been the victim of nasty or harassing phone calls from bill collectors knows that those calls can be bothersome, and in many cases extremely unsettling, frightening, and intimidating. Questions arise in your mind. Can they really do what they threaten? Can they really come take my stuff? Is it okay for them to call me at work? Do I have to put up with this? Don't I get credit for all the payments I have made over the years?
Name-calling is the worst. Nobody likes to be called a deadbeat or a loser, but that's just what some bill collectors do. You always paid your bills in the past. You work hard. You are honest. You don't deserve this treatment.
In our experience, the bill collector will say whatever it takes to get you to write a check. The more the bill collector gets the impression that you are uncomfortable, the more they like it. Why? The bill collector knows you want to pay your bills and that you feel terrible if you don't and they feed off of this. The more uncomfortable the bill collector make you, the more likely you will write him a check just to get him off your back. You see, it's all about money. It always is. Nice bill collectors who feel sorry for people don't stay in the business. So, who's left? The ones who don't care about you or what you think.
Worst of all are the embarrassing calls you get at work. These calls are not only embarrassing, they can jeopardize your job. So, what do you do?
Want to stop those harassing phone calls? You can, but it may take filing bankruptcy. What's the alternative? If you don't file bankruptcy, it’s more or less open season on you and your feelings. The law says bill collectors can only call you at certain times and certain places, but the rules get violated on a regular basis. Why? These laws are hard to enforce and don't have the “teeth” they should. The penalties for violating them are small compared to the money that is collected by violating them. This all assumes you can figure out who made the call and from where. So, is it any wonder why some bill collectors use fake names and call from outside your state? Who are you going to sue? You don't really know who called you.
Filing bankruptcy changes all that. Federal bankruptcy laws are so powerful that even nasty bill collectors come under control. You file and it only takes days or weeks for word to make it to the bill collectors. How does this happen? As soon as you file, the bankruptcy court issues an order telling all bill collectors to leave you alone and they do. Why? Nobody wants to be dragged in front of a federal judge upon a contempt of court charge.
If you can’t pay all your bills, and the calls at home and work are out of control, you have a choice. Do nothing and live with the stress or look into filing bankruptcy and STOP THE CALLS COLD.
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