Most Americans today have debt and in many cases, it becomes unmanageable. Financial struggles are more common now after a global pandemic and consumers are desparate for relief. If this applies to you, know that there are many families going through exactly this. Here are some tips to stop creditor harassment and how to get legal help today.

Send a Cease and Desist Letter

An easy first step to stopping creditors from continuing to harass you is to send a cease and desist letter explaining that they have violated one or more parts of the Consumer Rights Act. For example, if they have been calling you outside of legally allowed hours, this is illegal and you should include this in the letter. If possible, include the applicable statute numbers for where creditor regulations can be found.

File a Complaint With the Consumer Financial Protection Bureau

You can file a complaint with the Consumer Financial Protection Bureau either via telephone at (855) 411-CFPB or online at consumerfinance.gov/complaint. You may do this along with sending a cease and desist letter or instead of. If you file online, print a copy of your application submission for your records.

Declare Bankruptcy

An effective way to stop creditors from calling you non-stop is to declare bankruptcy. This shouldn’t be entered into lightly, but when you file bankruptcy, the court puts an automatic stay into place. This is a formal order that stops creditors from being able to legally contact you while the bankruptcy proceedings are taking place.

You don’t have to do anything special to get an automatic stay other than make sure your bankruptcy application is filled out as accurately and comprehensively as possible. The court will notify your creditors for you that a stay has been issued and that they are no longer allowed to engage in any kind of collection activity.

Get Help From a Texas Bankruptcy Law Firm Now

If you feel like you’re drowning in debt and being dogged by creditors with no real way out, we can help. Sims Bankruptcy Law, PLLC is an experienced Texas bankruptcy law practice that has helped people just like you get control over their finances.

Contact us today in Dallas by dialing 469-751-7467, or at our central Texas location at 254-304-7161. Our team is available now to answer your questions and book your legal consultation.