When it comes to owing money, every individual should be treated with dignity and respect. Unfortunately, creditors do not always abide by this rule. Debt collectors often go to extremes to be paid, from calling you at all hours of the day and night to even showing up on your doorstep. Methods of intimidation are not allowed, no matter how much money you may owe. If you have fallen on hard times financially, you do not deserve to be treated unfairly or bullied. At Notinger Law, we often represent individuals who are being hounded by creditors. We can help you find debt relief solutions so that collection calls are stopped, and you get back on track financially.
In the state of New Hampshire, the Fair Debt Collection Practices Act was created to protect individuals from collection practices that are illegal and stressful. It is illegal for a creditor or debt collector to use offensive language or threaten you. Deceptive practices are also illegal, such as using a fake name to get your attention or false information during the phone call. Creditors are also not allowed to threaten for your wages to be garnished or that you will go to jail. If you are a victim of creditor or collector actions, we can help.
At Notinger Law, we will work hard to protect you from any harassment or actions taken by collectors. We can have calls directed to us and show that you are being represented by a legal team. We can also provide you with information on what you can do to take back control of your finances. The first step is to look at your debts and assets. We can then direct you towards the right steps to handle your debt, steering clear of harassment by creditors.
Negotiating with Creditors
One way that debt can be satisfied is through negotiation. Our attorneys can try to negotiate with your creditors and come up with a feasible payment plan that you can follow. This process can often times satisfy the creditor enough to get them off your back and you are able to pay your debt, eventually being free and clear of what you owe.
For some people, the solution is to file for bankruptcy. Individuals will usually file Chapter 7 bankruptcy while businesses look to Chapter 11 bankruptcy for assistance. With bankruptcy, you can secure a way to discharge credit card debt along with other unsecured debts that you may have. With this filing, a court order will be produced that will see all phone calls from creditors stop.
When you find that you are overwhelmed by your debt and continue to receive threatening or harassing phone calls from creditors, let our team get to work for you. We can find the right solution to your debt relief needs, reviewing your individual situation. Every case is different and we come up with a customized solution for your debt needs to ensure you are able to see the financial freedom you desperately seek, plus remove the stress of creditor phone calls in the process.