Can bankruptcy stop the Credit Card Harassment?

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Author: Catherine Christiansen

My hours at work were cut about 6 months ago. I am happy to have a job but now I have fallen behind on my credit card payments. They are calling me at all hours. I am worried they will start calling my work what can bankruptcy do to help me?

Once you retain the services of any attorney you have the right to tell your creditors that all further communications are to go through your attorney. If you also write a letter to your creditors advising them all further communications are to go through your attorney and send it certified, return receipt through the United States Post Office or other mailing service in which you have proof an agent of the creditor received the letter, then, if the creditors continue to call, you have a cause of action against the creditor and its agent. This is one of the benefits of hiring an attorney to prepare and represent you in a bankruptcy.

You are not alone in the financial stress you are experiencing. Research by the Federal Reserve indicates that household debt is at a record high relative to disposable income. Many households have experienced a reduction in work hours, thus a reduction in income. In fact, the American Bankruptcy Institution statistics show that in second quarter of 2008, 32,387 bankruptcies were filed in the State of California. In the second quarter of 2009, 53,505 bankruptcies were filed in the State of California. That is more than 60% increase in filings.

Your credit card debts are discharged through a bankruptcy, as long as there is no fraud involved. You may be forgiven of all the debt through a Chapter 7 or for a percentage of the debt through a Chapter 13. See previous blogs to understand which Chapter you qualify for.

Call the attorneys at Stone Haven Law Group at (909) 457 â€" 8200 to take the first step towards ending creditor harassment! Catherine Christiansen, Esq. of the Stone Haven Law Group LLC. She has extensive experience handling bankruptcies from inception to completion. Her experience in the Bankruptcy Courts includes client intake, petition work in Chapter 13 and Chapter 7, motions, adversarial actions, and electronic filing with the Courts. http://stonehavenlaw.com/CHAPTER7_BANKRUPTCY.html