Is Creditor Harassment Making Life Miserable?
Credit card companies can be vicious. They call during the dinner hour. They call at work — every 15 minutes. They write threatening letters. They promise to make your life miserable until you pay them. But you can't pay. So what do you do?
A bankruptcy filing puts an immediate halt to creditor harassment.
At Joyner Law Office, we know how to stop creditor harassment. It may be a fact that you owe a credit card companies money, but you don't owe them your piece of mind. If you file for bankruptcy, your credit card company and other creditors are no longer allowed to talk to you about collecting your debts. When they call, you simply say, "I've filed for bankruptcy. Contact my attorney." The creditor must stop calling you. If they don't — then you let us know and we will take care of it for you.
Things You Should Know About Stopping Creditor Harassment
As a bankruptcy lawyer, Veronica D. Joyner has helped a number of Chicago residents whose lives were made miserable by harassment from credit card companies. There are several options available, and we can help you decide which one is right for you.
- Chapter 7 bankruptcy — All of your eligible debts, including credit card debt, may be discharged (forgiven) with a few exceptions. Creditor harassment is required to stop immediately upon filing.
- Chapter 13 bankruptcy — Through a repayment plan, you repay a portion of your credit card debts to a trustee. After completing the payment plan, those debts may be able to be discharged. Creditor harassment is required to stop immediately upon filing.
- Debt modification — Some credit card companies are willing to speak to an attorney and may negotiate a lower interest rate or a repayment plan. We can help you explore this option.
Act Now to Stop Creditor Harassment
If you are feeling stressed and are in desperate need of credit card debt relief, Joyner Law Firm can help. Our firm focuses on bankruptcy law and other debt relief methods available in Illinois. Call our toll free number, 888-675-4569, or send us an e-mail to schedule an initial free consultation with an attorney.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
