Stopping Bill Collectors in Arizona
The State of Arizona Debt Relief Options
Are you a resident of Maricopa County, Arizona and being constantly hounded by creditors attempting to collect on a debt that you owe? Debt collectors can be pushy and even at times talk threatening towards you. You shouldn’t have to be treated this way just because you are behind on a bill or two. There are laws that protect you from creditor harassment. Bill collectors must abide by the Fair Debt Collection Practices Act.
Another debt relief option that might be available to you is filing for chapter 13 or chapter 7 bankruptcy. Filing for bankruptcy will put an immediate stop to these calls and collections as the bill collectors can no longer peruse you once you have declared bankruptcy. An experienced Mesa bankruptcy attorney like the attorneys at the My AZ Lawyers can assist you in your debt relief efforts. Once you retain our services, we start fielding your creditor calls and inform the bill collectors that you have filed for bankruptcy protection.
Know Your Rights:
As a citizen of the United States and of the state of Arizona, you are protected from harassing techniques that debt collectors may use to collect monies that you owe. The federal government created a law specifically that addresses debt collection. This law called the Fair Debt Collection Practices Act. Also known as FDCPA, basically lays out the rules that must be followed by bill collectors and provides guidelines that prohibit specific, aggressive collection practices. Arizona has additional state laws that protect you from unfair debt collection practices by the debt collectors.
Related Information: Read http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm
Is Bankruptcy the right option for you? If you think that filing chapter 7 or chapter 13 bankruptcy is the best form of debt relief, you may want to contact an experienced bankruptcy law office as they can be an excellent advocate. Once you hire a law office, they will review your financial situation, and discuss various options on how to deal with creditors, including ensuring that harassing phone calls stop. If you are a good candidate for bankruptcy, a lawyer can help you prepare the correct documentation, represent you in court, and help determine which chapter of bankruptcy you qualify.