Stopping Creditor Harassment

Periods of financial strain may cause you to lose hope and feel as though there is no way out. One of the worst parts of struggling with debt is the unrelenting phone calls from creditors and bill collectors. It can be very taxing both emotionally and physically but there is a way to get relief.

If you are consumed with agitation, anxiety and fear every time your phone rings as you suspect it may be a creditor harassing you it is imperative that you speak with a Towson Maryland Bankruptcy Lawyer regarding your options.

Bill collectors, collection agencies and creditors are calling because they want their money. You may not be able to pay them due to reasons such as divorce, job loss or illness but that does not stop them from contacting you. There are a few ways you can get them to stop calling such as taking their calls and working out a payment plan or becoming current on the loan, credit card, etc. However, for most people if they had the ability to get current they never would have fallen behind in the first place.

If you are a Towson, Bel Air or Elkton, Maryland resident you may be able to file bankruptcy. That may be a very viable option for getting creditors to stop contacting and harassing you. Once the bankruptcy is filed, they are no longer allowed to reach out to you under state and federal bankruptcy law.

The state of Maryland two (2) types of bankruptcy an individual or married couple can file:

Chapter 7

Chapter 13

Each has its own benefits and the option that is right for you will depend on factors such as what you are trying to accomplish, your income and other aspects of your financial situation.

Consulting with an experienced bankruptcy lawyer serving the Baltimore, Towson and Elkton, Maryland areas will help you make the right choice regarding your financial future.

Contact A Towson Bankruptcy Attorney

Call the bankruptcy attorneys at The Law Office of John P. Downs to discuss your options for getting the financial relief you need. They offer free consultations to those in need of debt relief in Cecil, Harford and Baltimore counties.