Stopping Collection Actions
Michigan Collection Defense Lawyer in Sterling Heights
When financial problems hit, they hit hard, and it's easy to be paralyzed by the fear of facing all your issues. You want to save your home, your car and your assets, but you don't know what to do. There are in fact many ways to protect your property and regain your financial stability.
As a Sterling Heights bankruptcy attorney at my Michigan law firm, Hensel Law Office, PLLC, I offer personalized bankruptcy services that can stop collection actions and eliminate your debts. Bankruptcy is an effective legal remedy that can help protect your assets.
The Automatic Stay
When you file your petition, it will result in a court order called an automatic stay that ends all collection actions, including wage garnishment, repossession and foreclosure. It is unfortunate that so many homeowners lose their home to foreclosure because they were unaware of the benefits of filing for bankruptcy.
If you have been threatened with car repossession, any efforts to recover your vehicle will also cease. When you are living paycheck to paycheck and need your car to drive to and from work, this kind of protection can mean all the difference in the world. Stopping collection actions also means putting a stop to creditor harassment calls, letters and emails.
Stopping Creditor Harassment
Once a debtor has filed for bankruptcy, creditors are prohibited from making contact and pressuring an individual to pay. Sometimes simply finding relief from the constant hounding of bill collectors can make a considerable difference in your life, allowing you to think clearly and make wise decisions for your financial future.
Creditors that violate the automatic stay can be held in contempt of court and face penalties such as:
- Fines
- Payment of your legal fees
- Damages
To find out more information on how you can stop creditor collection actions, contact my office and request a free consultation. I will review your financial situation, and help you in any way that I can, including taking legal action against abusive creditors. You have rights, but if you do not fully understand them, you will not know when they have been violated.
Protect Your Rights by Contacting Hensel Law Office, PLLC
Being forced to deal with creditor harassment is a stress that no one should ever have to encounter. When an individual is unaware of their rights, however, they cannot know for sure when a debt collection agency has violated them. In accordance with the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing a debtor—meaning that they cannot engage in certain unlawful practices.
Certain regulations that a collection agency must follow include:
- Cannot use obscene or threatening language
- Cannot contact you at work if you have asked them not to
- Cannot call you repeated for the purpose of harassing
- Cannot call before 8 a.m. or after 9 p.m.
- Cannot charge additional fees
If you have been subjected to similar behavior by a debt collector, you have the right to take legal action. In order to do so, however, it is advised that you first consult a knowledgeable legal professional. When you enlist the help of the Hensel Law Office, PLLC, you can feel confident in knowing that I will not let such unlawful actions go unaccounted for.
My firm is able to provide assistance to debtors who live in Sterling Heights, Warren and many other parts of the state of Michigan. Contact us today.
Client Testimonials
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"Professional, competent, empathetic attorney."Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours.- EJO
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"Tom Hensel is definitely the right attorney to call!"Tom was so knowledgeable and helped us throughout the whole process. He never once made us feel uncomfortable or dumb when we had questions. He was also very easy to get a hold of when questions would come up and would always return our calls and emails pr- Stacy S.
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"I greatly appreciate your time and effort."I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.- Jay
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"He always responded quickly and intelligently."I feel lucky to have found the Hensel Law Office and I never hesitate to refer others who could use assistance - because I know they will get superior service and help.- Kelly