Are Creditors Calling You At All Hours?

In today's economy, many people are subjected to harassing phone calls from credit card companies, student loan companies and collection agencies. If you are tired of these harassing phone calls, an experienced attorney can help. At the Royal Oak and Flint offices of Bidwell Tovarez PLLC, our lawyers are familiar with collection agency tactics. We can help you put an end to creditor harassment and wage garnishment and give you the peace of mind you deserve.

Yes, You Do Have Legal Rights

Creditors and collection agencies will go to great lengths to collect a debt. It starts with calling you at work and at home. They may even start calling your friends and family members. This is not okay. You have rights under the law.

The federal Fair Debt Collection Practices Act (FDCPA), along with Michigan state laws, protects you from abusive actions by collection agencies and other debt collectors. The moment you file for consumer bankruptcy, you will receive an automatic stay, which will put an immediate stop to all creditor harassment.

You Can Stop Wage Garnishment Immediately

Aside from harassment, many clients come to our office concerned about finding ways to stop garnishment or collection actions. If creditors have threatened to garnish your wages, tax refund or bank accounts or seize your personal property, but there is no judgment against you, they may be in violation of federal and state laws. You may be able to put an end to creditor harassment and wage garnishment without filing for bankruptcy.

If you owe back taxes or have had a judgment against you, but are unable to make payments, the IRS or other creditors will request that your wages or bank accounts be garnished. The one immediate action you can take to stop garnishment is to file for Chapter 7 or Chapter 13 bankruptcy. If you cannot file bankruptcy, we will look into other options, such as creating a payment program with the IRS or setting up installment payments with your creditors.

Contact Us For Help Today

If you need help ending the vicious cycle of harassment or stopping wage garnishment before it starts, do not wait to take action. From our offices in Royal Oak and Flint, we help clients across Michigan get the immediate relief they deserve under the law. Call 248-237-3718 or contact us online for a free initial consultation and get a fresh start today.

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