For years, people who are in debt have had to suffer with harassing creditor calls at all hours of the day and night. However, people like 56 year old accountant Steven Katz are no longer willing to put up with accepted and common collection tactics.
Steven Katz took his first stand against a bill collector after his credit score had been unrightfully damaged. He filed suit against the collector and took home a $1,000 check for damages. Katz is just one in a growing group of people who are ready to stop putting up with these "unscrupulous practices."
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Believe it or not, there is a set of laws that are supposed to prevent creditors from harassing your family members, calling at unreasonable hours, using inappropriate language, and calling you at work. The Fair Debt Collection Practices Act makes these actions illegal and people who are under the fire of their creditors are using these laws to take a stand.
Last year, over 8,000 lawsuits were filed against collectors who had violated the FDCPA. The Supreme Court took another step to protect people in debt by making it illegal for collectors to claim they didn't know or understand the law.
This rebellious movement is not, however, an easy way to escape your debt. As long as your creditor can prove that his or her company has a claim to your debt, you must still take responsibility for the debt. Neither ignoring nor suing your creditors makes your debt balance reduce to $0. In fact, it could force your creditors to take more serious actions like garnishing your wages, levying your bank accounts, and going after your property.
Don't forget, though, that creditors have a legitimate claim when asking you to pay the debt. On the other hand, you have a right to deal with your debts how you can. Missouri or Illinois Chapter 7 can eliminate many of your debts and stop your creditors from harassing you, garnishing your wages, and taking any further action against you. Bankruptcy creates an immediate shield, protecting you and your family from the effects of your debt and helping you move forward with your life.
You can take action against your debt even before your creditors violate the Fair Debt Collection Practices Act. A St. Louis bankruptcy attorney can help you make a new life for you and your family as soon as you are ready to ask for help. Start looking for free information from reputable bankruptcy attorneys in your area to find out when the right time is to get help.
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