When a person owes many different creditors, they can begin to feel like they are drowning in debt. The constant calls and letters from creditors can be stressful. When creditors are seeking to garnish wages or threatening court action, a person may not be aware of how they can Get rid of Harassing Phone Calls. To avoid the threats and stop collections, a person may need to seek help from a lawyer.
A lawyer will first work to contact the creditors on behalf of his client. In some cases, lawyers may be able to help a client make satisfactory payment arrangements so they can catch up the amount that is past due and bring their payments current.
When the debts are too numerous for the amount of income a person has come in, there is the option of filing for bankruptcy. Bankruptcy may not be a viable solution for every case, but it has helped many people to be able to overcome their debts and be financially free.
Filing for bankruptcy can Get rid of Harassing Phone Calls. Once a person is under the protection of bankruptcy, their creditors can no longer legally contact them. This can take a tremendous burden from the shoulders of those who have been inundated with calls and letters.
Chapter 7 bankruptcy is an option that allows people to settle their debt quickly. Some people are required to submit their non-essential property for liquidation to pay off debts. The vast majority of people end up having their debts absolved in as little as six months.
There is also chapter 13 bankruptcy. This type is slightly more complex but allows people to avoid foreclosure and repossession. With chapter 13 bankruptcy, people are able to pay a monthly payment to slowly bring down their debt over a period of two to five years.
People who are feeling burdened with the amount of debt they owe can find relief by contacting a lawyer. Lawyers offer free consultation appointments to allow people to get the legal help they need without risk. Call a lawyer today and unburden yourself from your debts.
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