Jacksonville Creditor Rights Attorneys Fighting against Unfair Collection Practices
Debt Collection and Credit Reporting — Stop Harassment and Get Control
As Jacksonville bankruptcy attorneys, we find that our clients are often embarrassed by financial problems and sometimes wait too long to get help. Debt collectors call the house, call family members, or even call neighbors and employers. Our law firm understands that insolvency and bankruptcy can be difficult subjects to talk about, so we draw your focus to solutions and your future—not on the past that got you here. We will review your options—from negotiating and consolidating your debt to filing for Chapter 7 or even Chapter 13 bankruptcy.
You have rights.
You do not have to put up with harassment from collectors because you might owe a debt. You also have the right to get more information about the debt to figure out whether an amount is calculated correctly. You may feel that you do not owe the entire amount or any money at all. Our attorneys will explain your rights and instruct you on how to handle many situations on your own. If you are being sued, it can be important to speak with an attorney about possible legal defenses, even if you believe you may owe the debt.
You have the responsibility of checking to ensure that your credit reports are correct. If they are not, you must notify the credit-reporting agency to correct any errors. Errors on your credit report can affect your ability to get credit, force you to pay higher interest rates, or it can cause your existing credit to be cancelled. Under federal law, you are entitled to get one free credit report each year from each of the largest three credit reporting agencies.
The Automatic Stay
If you declare Chapter 7 bankruptcy in Florida, the federal court issues an automatic stay. This stops all creditors from pursuing you for your debts. The automatic stay goes into effect as soon as a creditor becomes aware of your bankruptcy. The stay prevents foreclosure, repossession, wage garnishments, and collection calls. A court order is required for the creditor to be able to lift the automatic stay. To find out more about the bankruptcy’s automatic stay, contact the Jacksonville attorneys who know debt collection. Contact the Duval County law firm of Beller & Bustamante, P.L.
For more information go to www.annualcreditreport.com. Confidential help with your financial problems.
Contact the Jacksonville, FL law firm of Beller & Bustamante, P.L., by calling (904) 416-1963 to speak with our lawyers about your rights regarding debt collection and credit reporting, how to protect those rights, and whether bankruptcy or credit counseling may be the right solution.