Not being able to pay your bills, put food on the table and finance your basic needs is by far the worst part of having debt problems. However, creditor harassment is another extremely difficult aspect of being in debt. In fact, many Kentucky residents get hounded by creditors calling them at home and even at work. In extreme cases, creditors will make house calls and come knocking on your door.

Once you file for Chapter 7 or Chapter 13 bankruptcy, though, all that harassment will come to a complete stop. In fact, if the creditor harassment continues, you can take legal action and the offending creditors will be punished. How is that for relief?

At the Law Office of Allan E. Dunaway PLC, putting a stop to creditor harassment is one of the benefits of bankruptcy proceedings that we like most. Indeed, not only can Kentucky residents get much-needed breathing room in terms of paying their bills, but they can also get the psychological relief of not being afraid to pick up the phone, and not getting embarrassed by creditors calling them at the office.

All of the following harassment activities must come to a complete halt, automatically, once your Chapter 7 or Chapter 13 proceedings are underway:

— Letters that threaten lawsuits and legal proceedings

— “Robo calls” by automated recordings and personal phone calls to you and your family

— Unexpected visits from creditors at your home and/or workplace

— Creditors impersonating law enforcement officers to try and collect debt.

If you or a family member are getting harassed by creditors, you might be able to put a stop to it quickly and effectively through the bankruptcy process. At the Law Office of Allan E. Dunaway PLC, we have skilled bankruptcy staff available to speak with you about your current debt situation in a free, no obligation, initial consultation.