Montgomery, AL Attorneys Protect Clients’ Rights in Bankruptcy

Alabama Law Firm Helps Ensure That Automatic Stay is Respected

When you decide to file for bankruptcy, the moment your petition is filed with the court, you are protected from debt collection activity by what is known as an automatic stay. Most collection efforts, including repossession, foreclosure, liens and judgments against your property, and wage garnishment must stop. If they do not, your creditors may face litigation.

What Bill Collectors Are Legally Prohibited from Doing

Under the provisions of the federal Fair Debt Collection Practices Act (FDCPA), creditors and their subcontracted collection agencies cannot engage in certain activities, including:

• Calling before 8 a.m. or after 9 p.m.
• Using abusive language
• Calling you at work if they have been asked to stop
• Threatening to tell your employer about your debt
• Trying to solicit information about you from neighbors or relatives
• Misrepresenting the amount owed
• Threatening a lawsuit, wage garnishment, or property seizure when they don’t plan to take such action
• Falsely claiming to be an attorney, law enforcement official, or credit bureau representative
• Placing multiple calls during the same business day
• Threatening to repossess property not connected to the debt they are attempting to collect

Even if you have not yet filed for bankruptcy, federal law requires debt collectors to cease their collection efforts if they receive a written request from you to stop. The law does not apply to creditors collecting their own debts, although these creditors will often honor written requests as well.

Contact an Experienced Montgomery, AL Bankruptcy Law Firm

If you are in need of bankruptcy assistance and/or need help stopping harassment, wage garnishment, foreclosure, and other debt collection efforts by creditors, contact the Alabama bankruptcy lawyers at the Bond & Botes Law Offices online or call 1-877-581-3396 to schedule your initial consultation today.