Stop Collection Calls

You don’t need to live in fear of debt collectors any longer.

Collections calls are a constant reminder that you are in over your head. There is no reason to be embarrassed or angry, filing for bankruptcy will make them stop.

If you are hopelessly in debt, you don’t need to be reminded of it

The collections calls may be the worst part about being in debt. Even at the best of times, your finances are a source of constant worry. When debt collectors call you, it is an ever-present reminder that things aren’t going well. If you answer them at all, the person on the other end of a collections call will not go away unless you agree to some payment plan, or even give them some payment over the phone immediately. They are pushy, asking for something you probably don’t have to give, and they don’t have your best interest in mind.

The truth is, you don’t have to fear your phone, screen your calls, or lie to collectors that are asking you for a payment today. If you find yourself surrounded by debt, if you are living paycheck to paycheck, or worst of all, if your paycheck doesn’t even cover your expenses, bankruptcy may be your best option. Yes, you may have gotten yourself into financial trouble. But ignoring the problem or hoping for a miracle will not make them go away. Bankruptcy will.

Toscano & Wilson is on your side.

You can fight back against harassing debt collectors with our help.

How Can Bankruptcy Help?

The moment you file for Chapter 7 or Chapter 13, the court will issue an automatic stay which is a powerful tool which will protect you until your bankruptcy case is finalized. Toscano & Wilson can even send out a representation letter to your creditors informing them of your pending bankruptcy filing and directing all calls and communications come to us instead of you.

When you list your creditors in a bankruptcy case, they are prohibited, by law, from contacting you about your debt.

What if creditors continue to contact me after I have filed for bankruptcy?

It could be just a harmless error. Collections departments are computer-run and if the company is large enough, it’s possible your information may have fallen through the cracks.  No matter, simply tell them to talk to your attorney or we can write a demand letter informing them to cease contacting you.

Some collections agencies will continue to call in an attempt to scare are you into paying. If a listed creditor persists after being informed of your bankruptcy, tell us immediately and we will take further action on your case.

While collectors can ask you to pay what you owe, it is important to remember that you don’t have to pay anything on debts that were discharged during your bankruptcy case and you should certainly never be scared or bullied into paying anything. Call us before you do.

Contact Us

The legal experts at Toscano & Wilson understand what you are going through. Bankruptcy may seem like the end, but the truth is it is simply a new beginning. Through competent and compassionate legal representation with Toscano & Wilson, things can only get better. Give us a call, tell us your story, and start to feel better about your financial situation.

  • The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, messages, and emails. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established.

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