They start first thing in the morning and continue until 9:00 p.m. You try to ignore them, but the phone calls just don’t stop. You try talking with the people on the other end of the line, but they put more pressure on you than the Pittsburgh Steelers defense in their glory days.
Ignoring the collection calls won’t help, and throwing the bills you are receiving in the trash isn’t the answer either. Many people wait and hope the collection agencies will give up or forget about them. It isn’t going to happen. Collection agencies are hired for one purpose, and that is to get money for the companies that hire them. They are quick to file lawsuits and, once you have a judgment against you, the collectors can freeze your bank accounts and make life even more miserable.
That’s why it is important to talk with an attorney at Steidl and Steinberg for advice on how to stop the bill collectors. Don’t wait for the collection process to get to the point where judgments are filed against you. Don’t let ruthless bill collectors threaten you. They can be very creative in their ways of contacting you and some take very mean-spirited approaches to their work.
The answer may be to file a Chapter 7 or a Chapter 13 bankruptcy, which covers consumer debts. It is a difficult decision, but one that will bring you peace of mind in so many ways. When you file bankruptcy, you will receive what is called an automatic stay, which means all collection efforts come to an immediate halt. No harassing phone calls. No bills. No letters. No threats. Bankruptcy can provide a chance to gain a fresh start in your financial life.
And it will even be safe to answer the phone again.