Bankruptcy Lawyers Preventing Foreclosures, Judgments and Wage Garnishments in Tinley Park, Oak Lawn and Mokena
When you are behind on your bills, the seemingly constant calls, letters and emails from creditors trying to collect can become very stressful. Many will call you both at home and at work and sometimes may even show up in person. Most creditors are not sympathetic to your situation because they are paid based on how much they are able to collect. For this reason, they are trained to create a “sense of urgency” within the debtor without regard to whether you or not you can afford to pay on the debt. Fortunately, there are several ways to legally put an end to creditor harassment.
For nearly two decades, the Law Offices of Eric Zelazny have been helping provide protection from creditor harassment, foreclosures, judgments, wage garnishments and other similar situations for individuals in the Chicago area. Attorney Eric Zelazny is a lawyer and CPA with in-depth knowledge of the laws around finances and collections that creditors must follow. Our bankruptcy attorneys provide friendly and personalized service to each client; working not only to get the creditors off your back, but to provide a permanent solution for your financial difficulties.
Solutions for Creditor Harassment
There are several ways you can stop creditors from harassing you about your debts. Sometimes, all it takes is a phone call to explain your situation. In many cases, the creditor will work with you to get caught up on your payments and bring the account current. Other creditors are not as reasonable and insist on using intimidation and harassment to collect from you. The good news is that creditor activity must adhere to the federal Fair Debt Collection Practices Act (FDCPA). The FDCPA is intended to prevent creditors from engaging in abusive or threatening behavior. Reminding a creditor that they must abide follow the provisions of the FDCPA will often put an end to the excessive calls and letters. The best remedy to permanently end creditor harassment is filing for personal bankruptcy. However, bankruptcy will have lasting consequences for you and your family and is a step that should only be taken when other viable avenues have been exhausted.
Preventing Foreclosures, Judgments and Wage Garnishments
If you fall too far behind on your house payments, the mortgage company may call in the loan and begin foreclosure proceedings. Once the home is in foreclosure, you have only two options; pay the loan balance in full or file for bankruptcy. Other debts may have reached the point where the creditor has obtained a court judgment and has proceeded to garnish your wages or even try to seize money from your bank account. Wage garnishments and bank account seizures can also be halted by filing either Chapter 7 or Chapter 13 bankruptcy.
If you are under constant stress because of creditor harassment or are facing a foreclosure, judgment or wage garnishment, contact the Law Offices of Eric Zelazny right away at 708-888-2299 for your free consultation. Attorney Zelazny will meet with you to discuss your situation and the immediate steps that can be taken to stop the collection calls and move toward putting your financial life back on the right track. Our Will County bankruptcy attorney help clients with creditor harassment, personal bankruptcy and IRS issues in Joliet, Tinley Park, Mokena, Frankfort, Orland Hills, New Lenox, Will County, DuPage County and surrounding Illinois communities.