Stop Collection Calls

One of the worst parts about being in financial trouble is dealing with your creditors and debt collectors. If you are being hounded by your creditors to pay money that you do not have, the anxiety can impact every area of your life. The simple tasks of getting your mail or answering your phone can fill you with dread. The stress of financial problems can wreak havoc on your personal relationships and even your health. You have probably wracked your brain and looked long and hard to find ways to pay your debts.

Stop worrying and take action. Millions of people have used bankruptcy to break free of unmanageable debt burdens. At the Covington, Kentucky, law firm of Michael E. Plummer & Associates, our attorneys and staff have helped thousands of people throughout the Tri-State area file for bankruptcy and achieve debt relief. Contact us today to learn more about your options for putting an end to creditor harassment.

If necessary, we can put together an emergency filing on your behalf. Our phones are answered 24 hours a day, seven days a week, 365 days a year.

What Can Bankruptcy Do About Creditor Harassment?

When you file for bankruptcy, your creditors will be notified. When they receive this notification, they will be barred from taking any action against you. This means that the threatening phone calls and letters will stop. The threats to take legal action against you end. Any other types of actions, such as liens, lawsuits, garnishments, foreclosures and repossessions, by law, must end immediately.

If you file Chapter 7 bankruptcy, most of your debts will be discharged, meaning that your creditors can no longer take action against you. If you file Chapter 13, you will have to repay your unsecured creditors a portion of what you owe them over a three- to five- year period. In either event, bankruptcy will stop creditor harassment. Our lawyers will look closely at your situation to determine what works best for you.