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Law Office of Gordon Mosley
A Bankruptcy & Consumer law Firm
20 Years Experience Helping People Gain A Fresh Start

Dealing with the constant harassment of collection attempts

If you are constantly dealing with an overwhelming amount of debt, chances are you may be no stranger to collection calls and letters. Unfortunately, this may do little to ease the stress of the situation, and ignoring the problem will do little to make it go away.

In some cases, you could be on the receiving end of a wrong phone number and continue to grow weary as the problem persists, despite your efforts to rectify the situation. If you feel as though a creditor is passing the boundary of what is legal, you could be the subject of creditor harassment.

Knowing your rights when dealing with a collector

With little to no knowledge in the area, it could be easy to feel as though a creditor is taking advantage of you. Since you likely want to avoid a similar outcome, you might find it beneficial to gain an understanding of the rules and regulations concerning debt collection, which may include the following:

  • Rights as a debtor: Knowing your rights as a debtor, and the actions that a creditor can and cannot take, can help you gain an understanding of how to handle constant collection attempts.
  • Right to documentation: It can be somewhat intimidating to handle such affairs on the phone, and you always retain the right to request written documentation of debts. This can also help you make sure they are legit, and prevent you from falling victim to a scam.
  • Rules of communication: There is a limit concerning how often a collector can contact you, and during which time periods communication attempts are legal. You can also issue a written request to cease contact, which may stop the calls but will not absolve you of the debt.
  • Statute of limitations: In some cases, the Texas state statute of limitations could protect you from a lawsuit on debts you owe, but this will not make the issue disappear.

While knowing your rights can prove beneficial, creditors may not always follow the rules, and your financial hardships could continue to grow out of control. If this sounds familiar, you might want to consider speaking with someone with experience in the area for advice on a long-term fix to your monetary woes, such as bankruptcy.

Seeking protection through bankruptcy

By filing for bankruptcy, you may be able to obtain relief from your debts and protection from creditors through the automatic stay. Since the process can be complex, speaking with someone with experience in handling such intricate matters could prove exceedingly beneficial. Obtaining guidance on the available options for relief, as well as the potential outcomes of each, could help you find a path with which to escape the burdens of debt and pursue a healthier financial future.

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Law Office of Gordon Mosley

Tyler Office
4411 Old Bullard Rd.
Tyler, TX 75703

Phone: 903-266-1843
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Gun Barrel City Office
431 N Gun Barrel Ln
Suite 112
Gun Barrel City, TX 75156

Phone: 903-266-1843
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