Are you struggling to pay your bills? If so, you're in good company. Millions of Americans who have been forced to take on unwanted debt, or have found their income slashed, find themselves over-extended and scrambling to find ways to stay financially afloat. As if this isn't stressful enough, you might also find yourself being harassed by your creditors, which can leave you feeling belittled and obligated to do everything imaginable to make your payments.
The truth of the matter, though, is that creditor harassment is illegal. As we have discussed previously on this blog, federal laws seek to protect consumers from creditors who are going too far in an attempt to collect debt. Yet, far too often these creditors ignore the law. When this happens, it may be time for you to consult with an attorney.
The Law Office of Gordon Mosley goes to work every day to protect Texans from the overzealous reach of aggressive creditors. We invoke the law to protect our clients, and take these creditors to court to ensure that our clients' legal rights are protected. Our skilled team of legal professionals also discusses debt relief options for those facing medical and credit card debt, as well as other financial challenges. This may include filing for one of the major routes of bankruptcy, which includes Chapters 7, 11, and 13.
It's worth noting that, although various laws provide debtor protections, creditors also have extensive rights. Depending on the circumstances at hand, these creditors may be able to foreclose on a home, place liens on personal property, and enact wage garnishment. Determining whether such acts are legal can be challenging to those unfamiliar with the law, which is why many Texans turn to us for assistance. Our website is a good starting point for people who need more information about debtor protections and other legal issues involving debt relief.