A woman in Michigan sued Kohl’s department stores for harassment. She owes a $20 debt and claims collectors harassed her with calls and letters – all over $20. She was driven to the point of filing legal action against her financer. Collectors are just doing their job. Some are given a list of names and debts and are expected to call until payment is received.
Creditors will call from dawn until dusk and on weekends. If you are ignoring the phone and not opening mail because you are tired of saying, “I cannot pay you” – maybe it’s time for a different approach.
Bankruptcy will STOP the collectors. Once the case is filed and creditors are notified – collectors cannot contact you. Now, it’s not beneficial to file a bankruptcy against a $20 bill. But if you owe $10,000 or more in debt and the calls are causing sleepless nights and stress, bankruptcy can help!
You are probably thinking if I can’t pay the collectors – how can I pay an attorney? The answer is you meet with Geraci Law and together we can figure out a payment arrangement to fit your budget.
Solutions to problems are not found by burying your head in the sand. If you are worried about the constant phone calls and balancing act of robbing Peter to pay Paul – call Geraci Law. We specialize in your problem.