RELIEF FROM CREDITORS IN HAWAII
ATTORNEY OFFERING RELIEF FROM DEBT COLLECTORS FOR PEOPLE THROUGHOUT THE ISLANDS
When was the last time you didn’t answer the phone because you thought it might be a bill collector? How many collections letters have you received in the mail over the past few months? Are you worried that someone might overhear you talking to a debt collection agency at work? If these questions sound familiar to your situation, chances are you owe too much debt. Wouldn’t it be nice to get your life and future back under control?
When you file — the day your paperwork is submitted to the court, in fact — any collection calls and letters and lawsuits in process against you must come to an immediate stop. This includes repossession, foreclosure, liens against your property and wage garnishment. If they don’t stop, they face litigation.
When you retain my law firm to file for Chapter 7 or Chapter 13 bankruptcy, you are represented by legal counsel. That simply means that all debt collectors and collections actions must go through my office, NOT your telephone or mailbox. If they call, you simply tell them that you have a lawyer.
ILLEGAL ACTIONS THAT BILL COLLECTORS OFTEN TAKE
Under provisions of the federal Fair Debt Collection Practices Act (FDCPA), creditors and their subcontracted collections agencies are prohibited by law from engaging in certain types of activities.
Some of these activities you may already be subjected to, including:
- Phone calls before 8 a.m. or after 9 p.m.
- Use of vulgar language
- Threats of informing your employer
- Contacting your neighbors or relatives to solicit information
- Threats of filing criminal fraud charges against you
- Multiple calls in the same business day
- Threats of repossessing property not related to the loan
IMAGINE A DAY FREE FROM CREDITOR HARASSMENT. I CAN GET YOU THERE.
Watch my videos and read my articles to learn more about ways bankruptcy can help.
Get an automatic stay (stop) on creditor collections actions and lawsuits. Get the right lawyer with the right experience on your side. No matter where you reside in the Hawaiian Islands, call 808-585-1000 or send an email to my office in Honolulu to schedule a free initial consultation. I will explain your options and help you see a brighter tomorrow.