How Can I Stop Creditor Harassment in Minnesota

If you are being called by creditors constantly and are getting unwanted mail everyday from collectors, then you may want to consider filing for bankruptcy protection. Once you file for bankruptcy it stops all of the creditors phone calls and harassment. One of the most important protections when you file for bankruptcy is called the automatic stay. It basically prohibits calls and harassment from creditors during the course of the bankruptcy, in order for a creditor to contact you they have to get a lift stay motion approved by the court. This is only done when the creditor has a secured interest in your property. If you get letters or calls regarding discharged debt, all you have to do is send the creditor your discharge notice and they should stop calling.
You do have a few other options other than bankruptcy regarding creditor harassment, the first is work out a payment plan with your creditors. This should stop the calls and letters. The second option is suing the debt collectors for violation of the Fair Debt Collection Practices Act or (FDCPA). If you think the harassment is extreme you may be able to find a Minnesota lawyer who can help you sue the debt collectors, you will need to speak with an attorney who handles this type of case, in order to know if your case has merit. In most cases if your are getting called and harassed by creditors, you have to evaluate all of your options to determine the best course of action.