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What to do if a debt collector is harassing you

If you are buried in bills in the State of New York and you are the victim of creditor harassment, then you may have rights to make the creditors stop harassing you. One of the most important things you can do is to consult with a knowledgeable New York bankruptcy attorney.

If you are feeling overwhelmed by these bills and it seems as though there is no way out, then a bankruptcy attorney may be able to tell you more about how filing for bankruptcy could help pave a path for a more successful future. It is common to feel overwhelmed in these situations, but creditors still do not have the right to harass you or threaten you.

Collection agencies are prohibited from contacting third parties except to locate the debtor. Credit collection agencies are also forbidden from engaging in abuse, harassment or threats using obscenities or violence or publishing a debtor’s name or calling you repeatedly.

Agents are also not allowed to lie about the debt, use misleading or false statements, add interest fees or penalties to the amount owed, deposit postdated checks ahead of schedule or conceal their identity. All of these are serious matters that may require you to consult with a debt collection abuse practices attorney.

If you wish to put your debts behind you and move on to a better financial future, then consulting with a New York bankruptcy attorney may be your best course of action. You should never hesitate to get legal advice about these situations as bankruptcy can help give you a way forward to get out from under serious debt situations. Make sure you report any harassing behavior as soon as possible. Talking to a bankruptcy attorney could be a critical next step if you feel like you are buried in debt. Jayson Lutzky is a Bronx bankruptcy attorney who handles Chapter 7 bankruptcies. He offers free in-person consultations to prospective clients. Call 718-329-9500 to set up an appointment. Visit www.MyNewYorkCityLawyer.com to learn more about Mr. Lutzky’s 32 years of experience.

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